Consumer complaint received 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX **General Counsel** Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Notice of Dispute and Demand for Relief Under Arbitration Agreement Dear General Counsel, This letter constitutes a formal **Notice of Dispute** in accordance with the arbitration agreement outlined in Experian 's terms. It addresses Experians failure to properly resolve my dispute regarding the fraudulent accounts listed below and the subsequent violation of the Fair Credit Reporting Act ( FCRA ). 

# # # Nature and Basis of the Dispute On XXXX, I submitted a written dispute to Experian regarding the following accounts, requesting their immediate removal or verification : 1. **XXXX XXXX Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX. **XXXX XXXXXXXX Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXXXXXX** Account Number : XXXX Despite providing all required documentation, including : - A copy of my government-issued identification, - Proof of my current address, and - A police report detailing identity theft, Experian failed to resolve my dispute within the required XXXX period as mandated by **15 U.S.C. 1681i**. Experian also did not provide any valid verification of the accounts as requested.

# # # Relief Sought Pursuant to the FCRA and the arbitration agreement, I am demanding the following : 1. Immediate removal of all fraudulent accounts listed above from my credit report.

2. Statutory damages of ** {$1000.00} per violation** for each account listed, totaling ** {$6000.00} USD**.

3. Written confirmation from Experian that these accounts have been permanently removed from my report.

# # # Request for Resolution I request that Experian resolve this dispute and provide the relief outlined above within XXXX days** of receipt of this Notice. Failure to reach an agreement within this timeframe will result in the initiation of arbitration proceedings under the terms of your agreement. 

# # # Arbitration Information If arbitration becomes necessary, I intend to proceed in accordance with the **AAA Consumer Arbitration Rules**, and I will pursue all remedies available to me under the law. Please be advised that Experian will be responsible for all associated arbitration fees as stipulated in the agreement.

# # # Contact Information You may contact me at : - Phone : XXXX - Email : XXXX # # # Enclosures 1. Copy of my government-issued ID.

2. Proof of address.

3. Police report detailing identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, **XXXX 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