Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Final Notice FCRA Violations Demand for Immediate Removal of Inaccurately Reported XXXX XXXX XXXX XXXX Account To Whom It May Concern, This communication serves as a final notice and demand regarding your continued reporting of an inaccurate account associated with XXXX XXXX XXXX XXXX on my credit report. 

As of my dispute submitted on XX/XX/year>, I formally notified you that the reported balance of {$2200.00} did not match the actual statement balance of {$2200.00} provided by XXXX XXXX. Although the discrepancy may seem minor, the law requires credit reporting agencies to report information with maximum possible accuracy not approximation. The moment you received that dispute and failed to correct or remove the inaccurate data, or provide complete information as the account number is incomplete, you violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

You claimed to have verified the information with XXXX XXXX, yet you failed to correct the report. This constitutes a negligent or willful failure to perform a lawful reinvestigation and maintain accurate records, and as such, the account must now be removed in its entirety from my Experian credit file. You were provided the opportunity to correct it. That time has passed.

FCRA Violations Committed by Experian : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of a disputed item.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Failure to forward all relevant information to the data furnisher. 15 U.S.C. 1681i ( a ) ( 4 ) Failure to review and consider the
evidence I submitted. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify information that is inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in your reporting.

15 U.S.C. 1681n Willful noncompliance, subjecting you to statutory and punitive damages.

15 U.S.C. 1681o Negligent noncompliance, subjecting you to liability for actual damages and attorneys fees.

Demand for Immediate Action : I am demanding that you permanently remove the XXXX XXXX XXXX XXXX account from my Experian credit report due to your failure to comply with the law. Updating the balance is no longer a remedy. You had an obligation under federal law to correct this the first time and you failed.

If the account is not fully removed within fifteen ( 15 ) days of receipt of this letter, I will file a lawsuit against Experian for all applicable damages under the FCRA, including actual, statutory, and punitive damages, plus costs and attorneys fees. I will also submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals Office for further investigation of your noncompliance and negligent practices. 

Your actions have harmed me, and I will pursue all legal remedies available. 

Attached are my initial dispute and Experian 's response claiming that the amount was verified, this will be used as evidence in future litigation against Experian.

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