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 XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Nature of the Dispute This arbitration demand is filed against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Experian continues to report inaccurate information regarding an account labeled XXXX XXXX XXXX despite multiple disputes and the absence of valid supporting documentation from the furnisher of information. Experian has failed to reasonably investigate and correct these inaccuracies, resulting in significant financial, reputational, and emotional harm.

Violations 1. Failure to Delete Inaccurate Collections Violations of FDCPA : 15 U.S. Code 1692 ( g ) : Experian failed to ensure that XXXX XXXX validated the debt. XXXX XXXX has not provided any valid contract, assignment, or evidence of their legal right to collect or report the debt. 
15 U.S. Code 1692 ( c ) : Experian has allowed continued reporting of this inaccurate collection entry, even after receiving multiple disputes highlighting the absence of validation and errors.

2. Failure to Delete Inaccurate Charge-Offs Violations of FCRA : 15 U.S. Code 1681e ( b ) : Experian failed to follow reasonable procedures to ensure the accuracy of the XXXX XXXX XXXX account information.

15 U.S. Code 1681i ( a ) : Despite three disputes, Experian did not conduct a reasonable reinvestigation into the inaccuracies of the XXXX XXXX XXXX account. 

Evidence Supporting My Claims Credit Report Details : The XXXX XXXX XXXX account is listed with conflicting and inaccurate information, including : A balance of {$0.00} reported by Experian, while other credit bureaus ( e.g., XXXX and XXXX ) list different balances, such as {$10000.00} and {$13000.00}, respectively. 
An account status of XXXX in Experian, which contradicts the Derogatory or Repossession status listed by other bureaus. 
Comments that the dispute is resolved, despite no valid documentation supporting the accuracy of the account being provided. 
The last reported activity dates are inconsistent between the bureaus, indicating errors in reporting. 
Screenshots of Disputes : The results of disputes filed with Experian show a refusal to address inaccuracies, even though XXXX XXXX XXXX has failed to provide validation or correction of the errors. 
Supporting Documents : Evidence of no direct agreement with XXXX XXXX XXXX or sufficient validation of the debt. 

Damages Suffered 1. Financial Harm : Denial of credit due to inaccurate and negative entries from XXXX XXXX XXXX. 
Increased interest rates on existing and future credit products. 
2. Reputational Harm : Damaged credibility with lenders, landlords, and financial institutions due to erroneous reporting of a repossession and charge-off.

3. Emotional Distress : XXXX refusal to correct inaccuracies after multiple disputes has caused significant stress, frustration, and anxiety. 

Arbitration Agreement This demand is submitted under XXXX arbitration clause, as outlined in their terms and conditions. However, I reserve the right to challenge the enforceability of any provision limiting my ability to seek full relief under the law. 

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

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