Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a demand request to Experian and their clerks who investigate disputes for the compliance procedure mandated by Federal law Fair credit reporting act ( FCRA ) Experian basically is relying on clerks that have no idea what they are doing. there so called invetigations are actually no investigations or re-investigation into a dispute, willfully and knowingly they ignore consumer request by using corporate private policy over Federal which mandates a required reasonable investigation in to a dispute, hence FCRA law ( FAILURE TO comply with 15 USC 1681i ( a ) and 15 USC 1681e ( b ) compliance procedures Experian is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX XXXX XXXX, you are in violation of this provision as well. 
The specific inaccuracies on my experian consumer report. 

Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX  XXXX is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( XXXX ) ( B ), if the consumer has notified XXXX XXXXXXXX XXXX of inaccuracies, they must correct or delete the erroneous information. 
I have already informed XXXX XXXX XXXX of these discrepancies and have provided them Experian knows that XXXX XXXX XXXXXXXX is a repeat offender/ a fraudster bank, evidence is enclosed of how this fradulent bank operates on a daily basis. 
If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.in the amount of XXXX to make me whole. 
Have your Experian Attorney and only your Experian Attorney contact me XXXX XXXX XXXX asap to discuss ARBITRATION AND discuss your payment to me for all these FCRA violations as well as the damage you Experian have caused me. I have enclosed of my credit card company annual fee that shows {$170.00} This is because of you Experian reporting false/fraud information on, my file this is outrages. I '' m paying 35.90 % in interest on purchases this is because you Experian I have enclosed DOCUMENT AS EXIBIT XXXX AS EVIDENCE OF HOW MY LIFE CONTINUES TO BE HARMED of my credit card company annual fee that shows {$250.00} This is because of you Experian reporting false/fraud information on, my file this is outrages. I '' m paying 35.90 % in interest on purchases this is because you Experian IS CAUSING THIS HARM TO ME IS TIME TO MAKE ME WHOLE EXIBIT XXXX XXXX XXXX XXXXXXXX GOT SUED BY CONSUMER FINANCIAL PROTECTION BUREAU DOCUMENTATION/ EVIDENCE EXIBIT 2 ,2 CREDIT CARD STATEMENTS SHOWING THE ACTUAL ANNUAL RATE APR & HIGH INTEREST RATE OF 35.90 % HARMING OF MY LIFE BEACUSE OF EXPERIANS FAILURE EXIBIT XXXX RECENT LAW SUIT FROM XX/XX/XXXX BY THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ) DOCUMENTATION INTO EXPERIAN PRACTICES REGARDING SHAM INVESTIGATIONS INTO CONSUMERS REQUEST EXIBIT XXXX A CASE LAW DOCUMENTATION FROM XXXX XXXX XXXX XXXX WHERE THESE INVESTIGATION CLERKS HAVE TO DO XXXX INVESTIGATIONS PER HOUR. WHAT A JOKE.. WHAT A JOKE. 

HAVE YOUR EXPERIAN ATTORNEY CALL ME, XXXX XXXX ARBITRATION WILL COST YOU THOUSANDS OF DOLLARS. I MUST BE MADE WHOLE WITH COMPENSATION FOR THIS INJUSTICE EXPERIAN HAS DONE TO ME.....

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