Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
Formal CFPB Complaint Supporting Documentation Against : Experian Information Solutions , Inc . 
Complainant : XXXX XXXX XXXX I. Summary of Complaint I, XXXX XXXX XXXX, file this formal complaint against Experian Information Solutions , Inc. for : Willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; Failure to provide the legally required Method of Verification ( MOV ) ; Fraudulent maintenance of a disputed XXXX XXXX tradeline ; Refusal to honor binding arbitration election under the Federal Arbitration Act ( FAA ), 9 U.S.C. 1 et seq. ; Improper rejection of authorized representative communications despite full identity verification ; Retaliatory and bad-faith responses to valid disputes lodged through Experian and the Consumer Financial Protection Bureau ( CFPB ).

II. Details of Violations 1. Maintaining Fraudulent Tradeline Experian continues to report a disputed XXXX XXXX tradeline despite multiple disputes and verified allegations of fraud. 
Experian itself twice acknowledged possible fraud in its own CFPB responses, yet failed to remove the tradeline or conduct a proper investigation as required under 1681i ( a ) of the FCRA.

2. Failure to Provide Method of Verification Upon request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to produce the documentation relied upon to verify the accuracy of disputed information. No such verification has been provided despite repeated
lawful demands.

3. Retaliation After Legal Representation Following disputes lodged by my authorized legal representative, Experian improperly rejected valid submissions despite full identity verification being attached, in violation of 1681i ( a ) and federal due process principles.

4. Failure to Honor Arbitration Election Experian ignored lawful elections for binding arbitration under the Federal Arbitration Act ( FAA ) des
pite notice and acceptance of arbitration agreements within their user terms.

III. Governing Case Law and Statutory Support Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( 2007 ) : Willful violation of the FCRA includes reckless disregard of statutory duties.

Cortez v. TransUnion, 617 F.3d 688 ( 3d Cir. 2010 ) : Credit Reporting Agencies must independently verify information upon notice of dispute ; failure constitutes willful noncompliance.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reaffirmed CRA duties to investigate and correct inaccuracies ; refusing investigation violates the FCRA.

Dalton v. Capital Associated Industries, 257 F.3d 409 ( 4th Cir. 2001 ) : CRA liability includes actual and punitive damages for failure to maintain reasonable procedures to ensure maximum possible accuracy.

Guimond v. TransUnion Credit Info. Co., 45 F.3d 1329 ( 9th Cir. 1995 ) : A consumer need not show economic loss to recover for willful FCRA violations.

IV. Damages and Remedy Sought Category Amount Statutory Damages {$7000.00} Actual Damages ( Credit Harm, Business Interference, Emotional Distress ) {$30000.00} Punitive Damages ( Willful Misconduct ) {$75000.00} Legal Costs & Anticipated Arbitration Fees {$5000.00} Total Relief Requested {$110000.00} Additionally, I demand : Immediate deletion of the XXXX XXXX tradeline ; Certification of compliance with 1681i and 1681e ( b ) of the FCRA ; Formal acknowledgment of arbitration acceptance or immediate settlement discussions.

V. Conclusion Experians repeated disregard for my federally protected rights, bad-faith behavior, and violations of the FCRA and FAA warrant immediate regulatory intervention and remedial relief.

Failure to correct these violations within 10 calendar days will prompt the filing of private arbitration and/or federal lawsuit without further notice. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA 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