Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
Claimant : XXXX XXXX XXXX : Experian Information Solutions , Inc . 


Arbitration Service : Nature of the Dispute This arbitration demand arises from Experians failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and its negligent reporting practices concerning inaccurate credit information submitted by XXXX XXXX. Despite clear evidence of inaccuracies, Experian failed to reasonably investigate my disputes and continued to report unverifiable and misleading information on my credit report, which has caused financial and reputational harm. 

Violations by Experian XXXX. 15 U.S. Code 1681e ( b ) Reasonable Procedures for Accuracy Experian failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported by XXXX XXXX. The report lists XXXX XXXX as the creditor for an account, but documentation shows no contractual agreement exists between me and XXXX XXXX. 
XXXX. 15 U.S. Code 1681i ( a ) Failure to Reinvestigate Disputed Information Experian did not conduct a reasonable investigation into my disputes. Despite my providing supporting documentation, Experian verified inaccurate information submitted by XXXX XXXX, thereby failing to meet its statutory obligations. 
XXXX. 15 U.S. Code 1681n Willful Noncompliance Experian knowingly and willfully allowed inaccurate information to remain on my credit report, causing substantial harm, despite being provided clear evidence of inaccuracies. 
XXXX. 15 U.S. Code 1681o Negligent Noncompliance Experian acted negligently by accepting and reporting inaccurate information from XXXX XXXX without adequately verifying its legitimacy. 

Evidence Supporting My Claims XXXX XXXX response to the CFPB complaint shows the original contract was with another party ( CIG Financial ), not XXXX XXXX, which disqualifies them as a valid creditor. 
XXXX credit report lists XXXX XXXX as the account holder with a charged-off balance, despite the lack of evidence supporting this claim. 
Dispute results from Experian confirm they verified the information without any meaningful investigation, as no 1099-XXXX, debt transfer, or sale documentation was ever provided by XXXX XXXX XXXX 

Damages Suffered XXXX. Financial Harm : Denial of credit and higher interest rates due to the inaccurate information on my credit report. 
XXXX. Reputational Harm : The inaccurate reporting harmed my credibility with lenders and potential landlords. 
XXXX. Emotional Distress : XXXX failure to correct errors has caused stress, frustration, and anxiety. 


XXXX XXXX I am filing this claim under the binding arbitration clause in XXXX user agreement. I reserve the right to challenge the enforceability of the arbitration clause, should it hinder my ability to seek full relief. 

Certification and Signature I certify that the information contained in this complaint is true to the best of my knowledge and belief. 

Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX La XXXX XXXX

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