Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian XXXX XXXX XXXX XXXX TX XXXX RE : Demand for monetary relief for FCRA and CFPA Violations To Whom it may concern : I received an Email from the CFPB on XX/XX/XXXX, at XXXX XXXX informing me that I needed to provide my feedback on a CFPB complaint in filed on XXXX, under Complaint ID XXXX. I submitted a demand letter to Experian concerning monetary relief for violating my Consumer Rights, The FCRA, The CFPA and The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. Experian is also in violation of a CFPB Supervisory Order. 

I filed several disputes concerning Experians failure to follow dispute procedures outlined by the FCRA. I have listed the violations below. 

Experian has failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

Pursuant to 15 U.S.C. 1681e ( b ) and section 607 ( b ) of the Fair Credit Reporting Act. Experian has a duty to ensure maximum accuracy of the information reported and published on my Experian consumer report. 

Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. 
Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate. 
Experian continues to violate my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. 

Experian is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

I am prepared to file suit against Experian for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act. 
Pursuant to 15 U.S. Code 1681c-2 ( a ), you are hereby provided notice that within fourteen ( 14 ) days ( 1 ) Send me a check for XXXX to my address listed above. 

STATEMENT PURSUANT TO U.S. Code 1681c-2 ( a ) ( 4 ) Experian has failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 
Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. 
Experian is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 
I demand that that within fourteen ( 14 ) days Experian will ( 1 ) Send me a check for XXXX to my address listed above. 
I am also prepared to call upon the CFPB, The Louisiana Attorney Generals Office and XXXX  as witnesses to me notifying you of your violations of my Consumer Rights, The FCRA, The CFPA and The Comprehensive Consumer Credit Reporting Reform Act of 2016. If these demands are not met within the time prescribed by law, an immediate action will be filed against your agency, whereas if such agency does not act, they may also be liable to the consumer, and we shall seek to recover any damages. These demands are made in accordance with federal law.

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