Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
FINAL NOTICE : Experians Ongoing Failure to Conduct a Proper Investigation Legal Action Imminent XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Compliance Willful Violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) Enforcement Actions To Whom It May Concern, 1. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$380.00} Date Opened : XX/XX/XXXX 2. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$2400.00} Date Opened : XX/XX/XXXX 3. XXXX XXXX XXXX ( Account # XXXX ) Account Type : Auto Loan Balance : {$16000.00} ( Charged Off ) Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$22000.00} Past Due Amount : {$16000.00} This letter serves as a formal and final demand for Experian to conduct a lawful, reasonable, and good-faith reinvestigation of the inaccurate information that remains on my consumer report in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite previous disputes submitted in full compliance with FCRA 611, Experian has failed to meet its statutory obligation to conduct a meaningful reinvestigation.

It is imperative that Experian understand the severity of its continued noncompliance, especially in light of recent CFPB enforcement actions against Experian and other credit reporting agencies for engaging in deceptive and inadequate dispute-handling practices. The evidence overwhelmingly demonstrates that Experian is failing to conduct lawful reinvestigations, instead relying on automated, perfunctory, and ineffective dispute resolution processes that do not satisfy FCRAs stringent verification requirements.

# # # Experians Willful Violations of Federal Law 1. Failure to Conduct a Reasonable Reinvestigation Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a reasonable reinvestigation of disputed items. However, my prior dispute has been handled in a manner inconsistent with this requirement, and no evidence has been provided to substantiate that any actual investigation took place beyond automated processing. The reliance on unverifiable and disputed information, despite clear objections, constitutes a gross violation of the FCRA.

2. Failure to Provide the Method of Verification Under FCRA 1681i ( a ) ( 7 ), I have the right to obtain the exact method of verification used to substantiate the continued reporting of the disputed item ( s ). Experian has failed to provide such documentation, leading to the conclusion that no proper verification has been performed.

3. Reporting Inaccurate or Unverifiable Information in Violation of FCRA The law is explicit : If an item can not be verified with evidence from the original source, it must be deleted from the consumers file, as stated in FCRA 1681i ( a ) ( 5 ) ( A ). If Experian does not have access to firsthand documentation proving the accuracy of the disputed information, continued reporting is a direct violation of federal law.

4. Willful and Negligent Noncompliance Grounds for Civil Liability Under FCRA 1681n and 1681o, Experians willful and/or negligent failure to comply with the FCRA subjects it to civil liability, including statutory damages, actual damages, punitive damages, and attorneys fees.

# # # Immediate Corrective Action Required As a final resolution to this matter, I am demanding the following actions be taken within 30 days of receipt of this letter : Deletion of the disputed items from my credit file if they can not be fully verified with documented evidence from the original creditor or furnisher.

A written response detailing the method of verification used to substantiate any disputed information that remains on my report, including the name and contact details of the entity that verified the information.

A complete and accurate revised credit report reflecting the corrections, sent to me via mail at the address listed above.

# # # Notice of Legal Intent Should Experian fail to comply with this demand, I will have no alternative but to pursue all available legal remedies, including but not limited to : - Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding Experians failure to comply with federal consumer protection laws.

- Initiating legal action in federal court under FCRA 1681n and 1681o for statutory, actual, and punitive damages resulting from Experians willful noncompliance.

- Seeking a court order mandating the removal of inaccurate and unverified information from my credit file, as well as compelling Experian to comply with FCRA requirements.

# # # Final Notice and Demand for Compliance This correspondence serves as a final notice. Failure to comply with my request within the statutory 30-day timeframe will be taken as evidence of willful noncompliance, and I will escalate this matter without further notice.

You are now officially on notice. I strongly suggest that Experian prioritize compliance with federal law to avoid further liability. 
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