Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : FINAL NOTICE OF INTENT TO SUE VIOLATIONS OF FAIR CREDIT REPORTING ACT ( FCRA ) AND FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) To Whom It May Concern, This letter serves as my final warning before initiating legal action against XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, Experian, and Equifax for multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The following inaccuracies remain on my credit reports, despite previous disputes, causing undue harm to my financial standing. 

Identified Reporting Inaccuracies and Violations : XXXX XXXXXXXX Account Inaccuracies : Inconsistent Credit Limit Reporting ( Violation of 15 U.S.C. 1681s-2 ( a ) ) TransUnion lists my credit limit as {$1500.00}, while Equifax incorrectly reports it as {$0.00}.

Under the FCRA, data furnishers are required to provide accurate and complete information to credit reporting agencies.

Incorrect High Credit Amounts ( Violation of 15 U.S.C. 1681e ( b ) ) TransUnion reports High Credit as {$1600.00}, while Equifax reports it as {$1500.00}.

The inconsistent reporting violates the requirement to maintain maximum possible accuracy.

Failure to Properly Update Account Status ( Violation of 15 U.S.C. 1681i ( a ) ) My payment history for TransUnion and Equifax shows late payments ( 120, 90, 60, 30 days past due ), which is incorrect since I have made all required payments on time.

Failure to correct inaccurate payment history after a dispute violates my rights under the FCRA.

Failure to Conduct a Proper Investigation ( Violation of 15 U.S.C. 1681s-2 ( b ) ) TransUnion and Equifax claim the dispute has been resolved, yet my report still contains inaccuracies.

A furnisher must investigate and correct errors within 30 days, yet these errors persist.

Reinsertion of Previously Disputed Information Without Notification ( Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) My credit report still includes previously disputed inaccuracies without providing me written notice.

This is a clear violation of federal law.

SYNCB/TJX Account Inaccuracies : Conflicting Account Status Information ( Violation of 15 U.S.C. 1681e ( b ) ) TransUnion lists the account as Paid, while Experian reports it as Derogatory.

A single account can not have two contradictory statuses.

Inconsistent Credit Limit Reporting ( Violation of 15 U.S.C. 1681s-2 ( a ) ) TransUnion reports a credit limit of {$200.00}, while Equifax lists it as {$0.00}.

This discrepancy creates an inaccurate credit utilization ratio.

Incorrect Payment Status Reporting ( Violation of 15 U.S.C. 1681e ( b ) ) The payment history reported by Equifax incorrectly lists 120, 90, 60, and 30-day late payments, which are incorrect based on my actual payment history.

Misleading Comments on Settlement ( Violation of 15 U.S.C. 1681s-2 ( a ) ) The account is marked as " Settled - less than full balance, '' implying negative implications even though the debt has been resolved.

The FCRA prohibits misleading and inaccurate statements that unfairly harm consumer credit profiles.

Discover Bank Account Inaccuracies : Incorrect Credit Limit Reporting ( Violation of 15 U.S.C. 1681s-2 ( a ) ) TransUnion reports my credit limit as {$2500.00}, while Equifax lists it as {$0.00}.

This discrepancy directly impacts my credit utilization and violates my rights under the FCRA.

Failure to Accurately Report Balance and Past Due Amounts ( Violation of 15 U.S.C. 1681e ( b ) ) My reports list the balance and past due amount as {$3100.00}, which is inaccurate.

The inaccuracy creates a misleading financial profile, affecting my creditworthiness.

Failure to Correct Charge-Off Status ( Violation of 15 U.S.C. 1681i ( a ) ) The account remains listed as charged off despite my previous disputes and payments.

This misrepresentation harms my credit standing and violates my consumer rights. 

Legal Precedents Supporting My Claim : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces the duty of credit reporting agencies to conduct reasonable investigations. 

XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Establishes liability for failure to investigate disputed information. 

XXXX v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses the obligation to ensure data accuracy. 

Demand for Resolution : I formally demand the following corrective actions within 10 days from the receipt of this notice : Immediate correction of all inaccuracies, ensuring consistency across all three credit bureaus.

Deletion of all negative marks that have been incorrectly reported. 

Written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, Experian, and Equifax stating the corrections have been made.

{$5000.00} in damages, as per FCRA statutory damages for willful non-compliance under 15 U.S.C. 1681n.

Failure to comply with this request will result in legal action in federal court, where I will seek monetary damages, punitive damages, and attorneys fees as permitted under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

This is your final opportunity to resolve this matter amicably before litigation. Please provide written confirmation of compliance within 10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation