Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN CONSUMER ASSISTANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX SUBJECT : PRE- ARBITRATION DEMAND FOR RESOLUTION OF DISPUTED CREDIT INFORMATION, MONETARY SETTLEMENT OFFER, DECLARATION TO CURE, AND OPPORTUNITY FOR COST AVOIDANCE Dear Experian Consumer Assistance, I am writing to you in response to the notice of dispute that I previously sent and received XX/XX/, regarding violations of the Fair Credit Reporting Act ( FCRA ) in relation to my credit report maintained by Experian. I am writing this pre-arbitration demand in continuation of my previous Notice of Dispute in Certified Mail # XXXX regarding the inaccurate information on my credit report. Despite initial communication and your acknowledgement of the dispute the disputed items have not been adequately resolved. Therefore, I am compelled to escalate the matter and request resolution through arbitration as that is the resolution provided to me in Experians Arbitration Agreement. 
As an individual seeking to rectify the inaccuracies and discrepancies in my credit report, I have been patient and cooperative throughout this process. However, despite my efforts to resolve these issues, it appears that Experian has failed to conduct a reasonable investigation as mandated by the FCRA. This failure is a direct violation of my rights as a consumer. 
To reiterate, I previously sent a notice of dispute on XX/XX/XXXX  that outlined the specific inaccuracies and discrepancies in my credit report. By law, Experian has a duty to conduct a thorough investigation within 30 days and provide me with the results of this investigation and you did that. However, to my disappointment, Experian has not fulfilled its obligations under the FCRA. 
Please be advised that if Experian fails to comply with the FCRA within the statutory time frame or fails to provide me with a satisfactory resolution, I will have no choice but to pursue legal action to protect my rights under the FCRA. It is my sincere hope that we can resolve this matter amicably and without resorting to such measures. 
Please consider this letter as my final attempt to resolve this matter before proceeding with any legal action. I have made every effort to cooperate and provide you with the necessary information to rectify the inaccuracies in my credit report. It is now Experian 's responsibility to fulfill its obligations under the FCRA. 
I look forward to receiving your prompt attention to this matter. Please provide a written response within 30 days of receiving this letter. You may contact me at the provided address or phone number if you require any further information or clarification. 
I am aware that under Experians Arbitration Agreement I am responsible for paying the arbitration fee. However due to the mental and emotional distress caused by Experian allowing these companies to report to my credit file without my consent in turn am not being able to pay the fee or obtain adequate housing and transportation also having to work multiple jobs to pay cash for things being that my credit score and credit profile show delinquent payments, charge offs, etc that are reporting on to my credit file. This reporting to my credit file caused injury to me mentally and emotionally. Please view prior CFPB complaints filed for resolution of all accounts aforementioned in those CFPB reports file # XXXX, XXXX, XXXX, XXXX & XXXX. Consider the violations in those prior notices for reference to penalties owed by Experian if Arbitration with XXXX is to commerce. As this is a violation of the Consumer Protection Act is the last notice before litigation and arbitration. 
As aforementioned in my Notice of Dispute received by Experian XXXX XXXX, XXXX  ( Demand of Settlement ) + Damages Seeking {$2000.00} per violation for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, 3. ) Violations of the Fair Credit Reporting Act, 4. ) Seeking {$1000.00} per violation of United States Codes- 15 U.S.Code 1681s2,15 U. S. Code 6802 ( a ), 15 U.S.Code 1681 section 602 A, 15 U.S. Code 1681 Section 604 A Section 2, 15 U.S. Code 1681 Section 604 A Section 2, and 4. ) Deletion of all accounts in violation of the FCRA.

{$12000.00} Total

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