Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to formally notify you that Experian is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2, with respect to the inaccurate reporting of a XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my credit report. As a consumer law expert, I am fully aware of my rights under the FCRA, and I am demanding immediate action to correct these violations and compensate me for the damages incurred. 

Details of the Violation : According to my Experian credit report dated XX/XX/year>, the XXXX XXXX  account is inaccurately reported with a balance owed of {$1500.00}, marked as " Derogatory '' with a " Collection/Chargeoff '' payment status, despite a subscriber report indicating the dispute was resolved, with which I disagree. This reporting is misleading and incorrect, as it fails to reflect the accurate status of the account. Furthermore, Experian has failed to ensure the permissible purpose for furnishing this information under 15 U.S.C. 1681b ( 2 ) and has not complied with its obligations to investigate and correct inaccurate information as required by 15 U.S.C. 1681s-2. 

These inaccuracies have caused me significant harm, including [ describe specific harms, e.g., denial of credit, higher interest rates, emotional distress, etc. ]. Experian 's failure to maintain reasonable procedures to ensure the accuracy of my credit report constitutes a willful violation of the FCRA. 

Demands for Remedies : Pursuant to the FCRA, I demand the following remedies for the violations outlined above : Actual Damages : I have incurred financial losses and other harms directly resulting from the inaccurate reporting, including but not limited to XXXX increased borrowing costs, lost opportunities, etc. ]. I demand full compensation for these losses. 



Statutory Damages : Under 15 U.S.C. 1681n, I am entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation. Given the nature of the inaccuracies and Experian 's failure to comply with FCRA requirements, I demand the maximum statutory damages for each violation. 



Punitive Damages : Experian 's willful noncompliance with the FCRA warrants punitive damages to deter future violations. I demand punitive damages as deemed appropriate under 15 U.S.C. 1681n. 



Attorneys Fees : Should I need to pursue legal action to enforce my rights, I will seek to recover all attorneys fees and costs as provided under 15 U.S.C. 1681n and 1681o. 

Requested Actions : To resolve this matter without litigation, I demand that Experian : Immediately investigate and correct the inaccurate information regarding the XXXX XXXX  account on my credit report. 



Provide written confirmation of the corrections made to my credit report. 



Compensate me for the damages outlined above within 30 days of receipt of this letter. 

If Experian fails to comply with these demands, I am prepared to pursue all available legal remedies, including filing a lawsuit to enforce my rights under the FCRA. Please respond in writing to this demand letter within 30 days to avoid further action. 

Sincerely, XXXX XXXX

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