Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
Date : XX/XX/XXXX To : Experian Subject : Formal Dispute and Demand for Action Regarding Account with XXXX XXXX  Dear Experian Dispute Resolution Team, I am writing to formally dispute the inaccuracies associated with the account in question : XXXX XXXX  ( XXXX ), as reported on my credit report generated on XX/XX/XXXX ( Report Number : XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to ensure the accuracy, completeness, and verifiability of the information it reports. Despite your recent investigation, the account remains on my report despite substantial evidence of inaccuracies and misrepresentations. 

The following issues are specifically outlined : Inaccurate Payment History : Experians report indicates a late payment starting on XXXX ( 30 days late ). 
XXXX  report for the same account lists the first late payment as XXXX ( 30 days late ). 
This discrepancy highlights a clear inconsistency and misrepresentation of the payment history associated with this account. 

Erroneous Reporting Conclusion : Your report states, Disputed Item Not Listed on Credit Report, yet the account remains visible on my credit file. This constitutes a misrepresentation of your investigation findings and an incomplete resolution of my dispute. 
FCRA Violations Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA : Consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days after being notified of the dispute.

If Experian maintains that the disputed information is accurate, I am requesting the following : Complete Documentation : Provide the documentation used to validate the accuracy of the XXXX XXXX  account, including all payment history records and any evidence obtained directly from XXXX XXXX. 
Employee Identification : Provide the name and employee number of the individual ( s ) responsible for validating this information.

It is essential to note that I am not requesting an XXXX-generated review, as such methods are often insufficient and fail to ensure due diligence. 

Legal Precedent and Liability Failure to comply with your obligations under the FCRA may subject Experian to legal liability. Courts have consistently ruled against credit reporting agencies for noncompliance, including : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : Experian was found liable for failing to properly investigate a consumers dispute. 
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : The court awarded damages for inaccurate reporting and noncompliance with the FCRA. 
Furthermore, your continued misrepresentation and refusal to remove inaccurate information violate : 15 U.S.C. 1681e ( b ) : The obligation to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : The duty to conduct a reasonable investigation when a consumer disputes an account.

Demand for Immediate Action If Experian is unable to provide the requested documentation to validate the accuracy of this account, I demand the immediate removal of the XXXX XXXX  account from my credit file. This is a continuous violation of my consumer rights under federal law, and your actions constitute false, misleading, and deceptive practices. 

Should Experian fail to address this matter appropriately, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general office. 

Additionally, I reserve the right to pursue legal action to recover damages caused by Experians noncompliance and misrepresentation.

Please acknowledge receipt of this letter and provide a written resolution within the legally required time frame. 

Sincerely, XXXX 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