Consumer complaint received 2023-03-11
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: Investigation took more than 30 days

Complaint:
Experian XXXX XXXX XXXX XXXX TX XXXX To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA concerning inaccurate, incomplete, and misleading information on the XXXX XXXX  Account. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604. 

I mailed a Second dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA concerning inaccurate, incomplete, and misleading information on the XXXX XXXX  Account. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604. 

Experian has failed to meet its statutory obligations as required by the FCRA. Experian is also in violation of the guidelines set forth by the industry standards. The XXXX XXXX  Account must be DELETED due to FCRA violations. 

These FCRA violations by Experian has resulted in Experian knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has also 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 is engaging in fraudulent, deceptive, and unfair business practices by failure to comply with the, 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 five ( 5 ) days ( 1 ) Delete the XXXX XXXX account due to FCRA violations. 

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

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