Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9997542
Complaint Overview
Complaint ID: 9997542
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 27704
Date Received: 2024-09-04T12:00:00-05:00
Date Sent to Company: 2024-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint against Experian and intend to pursue legal action if immediate corrective measures are not taken. XXXX failure to accurately report information regarding the XXXX XXXX XXXX account on my credit report is not only negligent but constitutes multiple violations of federal law. Background : The XXXX XXXX XXXX account, which has been removed from my XXXX credit report for some time, continues to be inaccurately reported by Experian. Despite having a {$0.00} balance and no past due amounts, Experian has failed to reflect the accurate status of this account. Meanwhile, my XXXX report shows no issues with this account, confirming that Experian is the outlier in this matter. Violations : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Violation : Experian is required to conduct a reasonable investigation of any disputed information. The continued inaccurate reporting of this account, despite its removal from XXXX and correction on XXXX, demonstrates XXXX willful neglect in conducting a proper investigation. FCRA - 15 U.S.C. 1681e ( b ) Violation : Experian must follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. By inaccurately reporting this account as open and with 4 late payments when there is a {$0.00} balance and no past due amount, Experian is in direct violation of its legal obligations. FCRA - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Violation : When information is found to be inaccurate or unverifiable, it must be deleted from the consumers file. XXXX refusal to update this account 's status to accurately reflect a {$0.00} balance, no past due amounts, and on-time payments is unlawful. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 8 ) Violation : By continuing to report false credit information, Experian is facilitating the com munication of false data, contributing to ongoing damage to my credit score. Uniform Commercial Code ( UCC ) - Article 9 Violation : UCC 9-609 and 9-616 require creditors to provide accurate accounting and proof of their right to collect on debts. XXXX continued inaccurate reporting is complicit in this failure, as no proof has been provided to substantiate the incorrect data. Consumer Financial Protection Bureau ( CFPB ) Regulation V ( 12 C.F.R. 1022 ) Violation : Experian is required to correct or delete inaccurate, incomplete, or unverifiable information in a consumers credit report. The continued presence of incorrect information regarding this account on my Experian report is a direct violation. Immediate Action Required : This is a final notice before initiating legal proceedings. I demand that Experian : Immediately delete or correct the XXXX XXXX XXXX account on my Experian credit report to accurately reflect the {$0.00} balance, no past due amounts, and the correct payment history. Review and rectify its dispute resolution processes to ensure compliance with the FCRA and other applicable laws. Provide a written acknowledgment confirming that this account has been corrected or removed. Intent to Sue : If Experian fails to take immediate corrective action within four ( 4 ) days of receiving this complaint, I will pursue all available legal remedies. This includes filing a lawsuit for willful and negligent violations of the FCRA, FDCPA, UCC, and other relevant statutes. I will seek statutory and punitive damages, as well as attorneys fees, under 15 U.S.C. 1681n and 1681o. Conclusion : XXXX ongoing noncompliance is unacceptable and has caused significant financial harm. This is Experians final opportunity to rectify these errors without further escalation. I expect prompt and decisive action to resolve this matter immediately.
Frequently Asked Questions
What is Complaint #9997542 about?
Complaint #9997542 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-09-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.