Consumer complaint received 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XXXX XXXX XX/XX/XXXX Legal Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Demand for Compensation Due to Unlawful Credit Reporting Practices Dear Legal Department , I am writing to formally notify you of my intent to seek compensation due to ongoing unlawful practices that have negatively impacted my credit report and financial well-being. Based on the actions of Experian as detailed in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) ( Case No. XXXX filed XX/XX/XXXX ), I am submitting a formal complaint regarding the following allegations : Claims and Violations : 1. Failure to Properly Investigate Consumer Disputes : I have experienced situations where inaccurate information was not adequately investigated, which led to the erroneous inclusion of incorrect data on my credit report. 
This failure to properly investigate disputes, despite evidence to the contrary, violates 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ), which requires credit reporting agencies to perform reasonable investigations when consumers dispute credit report information. 
2. Reinsertion of Deleted Information : I have discovered that previously deleted and disputed information was improperly reintegrated into my credit report without proper notification or validation of its accuracy, violating 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 
Experians actions mimic the allegations made by the CFPB, which filed a lawsuit against Experian for improperly reinserting previously deleted inaccurate information into consumers credit reports after it had been previously removed, in violation of federal law ( as cited in the recent CFPB vs. Experian lawsuit, filed XX/XX/XXXX ). 
3. Failure to Ensure Accurate Information : Under the FCRA, particularly 15 U.S.C. 1681e ( b ), Experian is legally obligated to maintain procedures to ensure that the information in consumer reports is accurate and complete. Your failure to meet this obligation has directly harmed my ability to access credit and adversely affected my financial stability. 

Recent CFPB vs. Experian Case : The CFPB lawsuit filed on XX/XX/XXXX, asserts that Experian failed to investigate consumer disputes properly and continued to allow the re-insertion of inaccurate information, practices that are in direct violation of federal credit reporting laws. The lawsuit specifically alleges that Experian conducted sham investigations and wrongly accepted the initial inaccurate data without properly verifying its accuracy, which has been a direct cause of harm to consumers, including myself. As such, I assert that my case mirrors these violations and I seek compensation for the damages I have suffered due to Experians actions. 

Legal Case Laws Supporting My Complaint : 1. Cohen v. Experian Information Solutions , Inc., XXXX : This case highlighted that Experian had been found to neglect the duty of ensuring accurate and complete information was maintained, leading to consumer harm. 
XXXX. Gonzales v. Experian Information Solutions , Inc., XXXX : The court ruled that Experian violated the FCRA by failing to conduct adequate investigations into credit report disputes, which is analogous to the practices described in the CFPB lawsuit. 

Request for Relief : As a result of Experians unlawful actions, I am seeking compensation for the financial damages and harm caused by the inaccuracies on my credit report. I hereby demand the following : Immediate rectification of all erroneous information on my credit report. 
Compensation for damages, including but not limited to lost opportunities, emotional distress, and credit-related costs. 
A formal acknowledgment of this complaint and a clear outline of the steps Experian will take to ensure full compliance with the FCRA and the protection of my rights. 
I am requesting this matter be resolved through either arbitration or an individual lawsuit as permitted under XXXX XXXX. XXXX. 

Demand for XXXX & XXXX XXXX : I expect a formal written response within 30 days of receipt of this letter detailing the actions Experian will take to resolve this issue. If no satisfactory resolution is provided, I will pursue legal action to seek full redress of my claims, including but not limited to compensation through arbitration or filing a lawsuit in the appropriate court. 

Failure to address this matter within the stipulated timeframe will leave me with no other option but to escalate this matter to the appropriate legal channels. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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