Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I write to Experian, XXXX and XXXX to again DISPUTE my XXXX XXXX XXXX XXXX, XXXX. ( XXXX  ) accounts [ requiring account DISPUTED by Consumer status on my credit reports ] AND request that you include the below CONSUMER STATEMENT for Each of the XXXX XXXX accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX accounts incorporated within detailed data for each of the XXXX XXXX accounts. I have filed numerous disputes for over 12 months with every CRA and directly with XXXX disputing each of the XXXX XXXX  accounts, including FCBA disputes for about $ XXXX resolved in my favor by XX/XX/2023 but not accurately reflected on prior credit reports. However, every time the required DISPUTE by Consumer status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus 10-80 times punitive damages ( see Saunders, 526 F.3d 142 ) making damages of multi million dollars per account. On or before XX/XX/2023, I filed XXXX consumer demands ( cases ), XXXX pages each, with the XXXX XXXX XXXX XXXX XXXX  ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Chases arbitration agreement. I have attached multiple letters from XXXX  to evidence pending arbitration cases along with a few pages, pages XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, of each claim regarding federal jurisdiction about liability and damage computation, if matters were filed in a U.S. District Court. XXXX has retained counsel and the multiple XXXX cases are awaiting fee payments to XXXX by XXXX plus its Answers due shortly or already late. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions, to mitigate damages and enforce FCRA compliance. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate, incomplete and misleading. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed by consumer and failing to report the date of account closure by consumer. Disputes with XXXX are being actively pursued in binding non-appealable Arbitration with XXXX and any reference that any of my DISPUTES have been Resolved or other inaccurate misleading wording constitutes further FCRA violations the same as not including the mandatory account disputed by Consumer status forever barring deletion, removal, modification, changing, updating or otherwise without my specific written consent which I will never provide. Metro 2 non-compliance with intentional or negligent inaccurate and misleading coding errors and data known to be inaccurate by Furnisher and CRAs shall not constitute defenses to stated FCRA violations for failure to include account disputed by consumer exactly with no other options in light of pending arbitration cases. It is obvious that Metro 2 has known compliance flaws caused by both Furnisher and CRA human errors. In light of pending XXXX arbitration cases, Deletion of every XXXX account is mandatory once an investigation demonstrates the accounts had been Disputed and thereafter Dispute status was wrongly removed. Please thoroughly investigate and update your reports and delete accounts to mitigate damages. I will surely Subpoena CRA records from every CRA so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX XXXX accounts. XXXXCONSUMER STATEMENT For each of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) accounts, XXXX is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. On or before XX/XX/2023, I filed XXXX XXXX page Consumer Demand cases with the XXXX XXXX XXXX XXXX XXXX XXXX detailing specific calculations of its multi-million dollar liability for each account. XXXX cases are pending awaiting payment of billed XXXX fees and Answers in each case by the XXXX deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the XXXX or XXXX  against violators pursuant to arbitration agreements or otherwise in XXXX XXXX if no arbitration provisions exist. if this statement exceeds the word limitations, you can edit it.

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