Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
Subject : Formal Demand for Resolution and Compensation Regarding Improper Investigation of Consumer Complaints To Whom It May Concern : I am writing to express my frustration and disappointment with Experians handling of the numerous complaints I have filed both through your internal complaint portal and via the Consumer Financial Protection Bureau ( CFPB ). These complaints have consistently been closed with the justification that the information in question was verified by Experian. However, at no point has Experian provided any reputable proof or evidence to substantiate how this information was verified or the source relied upon during such verifications. 

The recent lawsuit filed by the CFPB against Experian for failing to properly investigate consumer complaints highlights systemic issues with your practices. Based on my experiences, it is evident that the improper and inadequate investigation procedures cited in the lawsuit are consistent with how my complaints have been handled. This includes : Repeated failures to provide credible documentation or verification of disputed information. 

Refusal to remove charged-off accounts and incomplete or inaccurate information, despite clear evidence demonstrating harm and injury to me. 

Disregard for the legal obligation to conduct thorough and fair investigations as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, Experians actions constitute willful negligence in addressing my complaints. By failing to adhere to the required investigative standards and knowingly allowing incorrect or unverifiable information to remain on my credit report, Experian has demonstrated a reckless disregard for its obligations and my rights as a consumer. Such conduct further exacerbates the harm caused to me and underscores the necessity of immediate corrective action. 

As such, I am demanding the immediate suppression and permanent deletion of any and all disputed accounts or information related to my complaints. Specifically, the failure to conduct proper investigations into these matters has caused substantial harm to my credit profile, resulting in financial and reputational injury. 

Furthermore, I demand compensation in the amount of {$10000.00} USD for the defamation and damages caused by Experians negligence and willful non-compliance with its investigative obligations. This compensation is sought to address the tangible and intangible losses I have endured as a direct result of your actions. 

Please treat this letter as formal notice of my demands. I expect a written response within 30 days of receipt of this correspondence detailing the steps Experian will take to resolve this matter, including confirmation of the permanent removal of disputed accounts and the provision of the requested compensation. 

Failure to address these issues adequately will leave me no choice but to pursue further legal action to enforce my rights under the FCRA and other applicable laws.

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