Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FORMAL DEMAND LETTER TO EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions, Inc.Attn : Legal Department - Consumer DisputesXXXX XXXXXXXX XXXX, XXXX XXXX SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED RE : FORMAL DEMAND NOTICE : FCRA, METRO 2, TILA, FACTA, & ECOA VIOLATIONSConsumer Identifiers : XXXX XXXX, SSN : XXXX, DOB : XX/XX/XXXX To Whom It May Concern : This correspondence constitutes a formal dispute and demand notice regarding multiple technical and procedural violations in my consumer disclosure file maintained by Experian Information Solutions, Inc. Having previously notified your organization of these issues without appropriate resolution, I am now formally demanding immediate corrective action and statutory damages pursuant to applicable federal statutes. 
REFERENCE TO REGULATORY ENFORCEMENT ACTION My experience directly parallels violations identified in the recent Consumer Financial Protection Bureau lawsuit against Experian for conducting sham investigations rather than properly reviewing disputes as required by federal law. The CFPB specifically alleges Experians failure to take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in incorrect information on credit reports. 
DETAILED TECHNICAL VIOLATIONS AND DAMAGES DEMAND : FCRA Violations - XXXX U.S.C. XXXX et seq. ( XXXX violations {$1000.00} = {$3000.00} ) : 1. Non-neutral, prejudicial security alert language ( FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME ) constituting a violation of maximum possible accuracy requirements under XXXX ( b ) 2. Implementation of procedural obstruction to dispute resolution ( requires special assistance and can not be processed online ) violating reasonable investigation requirements under XXXXi 3. Mischaracterization of consumer-initiated security freeze as regulatory mandate ( FILE FROZEN DUE TO FEDERAL LEGISLATION ) violating accuracy standards under XXXXe ( b ) CDIA Metro 2 Format Violations ( 2 violations {$1000.00} = {$2000.00} ) : 1. Non-compliant data segment formatting in consumer statement field using first-person pronouns ( MY NAME OR MY IDENTITY ) contrary to CDIAs Metro 2 Consumer Information Indicator technical specifications requiring standardized third-person reporting syntax XXXX. Improper condition code implementation regarding security freeze status, violating Metro 2 Format standard field values for Account Status Code and Compliance Condition Code segments TILA Violations - XXXX U.S.C. XXXX et seq. ( 1 violation {$1000.00} = {$1000.00} ) : 1. Inadequate disclosure of consumer rights regarding security freeze mechanisms contrary to clear disclosure requirements FACTA Violations - XXXX U.S.C. XXXX et seq. ( 2 violations {$1000.00} = {$2000.00} ) : 1. Implementation of non-electronic dispute processing mechanisms contrary to FACTA provisions requiring streamlined electronic access to file management 2. Non-compliant security alert duration parameters violating FACTA standards for consumer-requested security measures ECOA Violations - XXXX U.S.C. XXXX et seq. ( XXXX violations {$1000.00} = {$2000.00} ) : XXXX. Non-compliant medical information masking procedures creating discriminatory credit evaluation potential XXXX. Disparate access protocols for consumer file management functions with potential discriminatory impact TOTAL STATUTORY DAMAGES DEMANDED : {$10000.00} PATTERN OF SYSTEMATIC TECHNICAL VIOLATIONS These violations occur within a context of documented patterns of FCRA compliance failures, including a recent class action alleging that Experian purposely delayed investigating alleged inaccuracies in credit reports because of a reported internal policy labeling mailed-in claims to be suspicious. My experience indicates similar systematic non-compliance with technical reporting standards. 
Furthermore, numerous federal cases against Experian have been filed nationwide regarding identity protection deficiencies and investigative failures, many resulting in settlement after consumers were compelled to pursue federal litigation to obtain proper dispute resolution. 
MANDATED COMPLIANCE ACTIONS AND TIMELINE : You are hereby formally required to complete ALL of the following technical corrections within FOUR ( 4 ) BUSINESS DAYS of receipt : 1. Remove all non-compliant security alerts from my consumer disclosure file 2. Correct the status code representation of my security freeze to accurately reflect its consumer-initiated nature 3. Implement appropriate electronic access mechanisms for all statement management functions 4. Purge all non-CDIA Metro 2 compliant data segments from my file 5. Implement appropriate medical information masking in compliance with ECOA standards 6. Deliver a corrected consumer disclosure showing all technical corrections 7. Provide written confirmation of compliance with these directives 8. Remit payment of {$10000.00} in statutory damages as enumerated above PRIOR NOTIFICATION AND CONSEQUENCES OF NON-COMPLIANCE : Documentation of prior notification regarding these violations is available upon request. Your continued technical non-compliance constitutes willful violation under applicable federal standards. Failure to implement ALL mandated corrective measures within the specified SEVEN ( 7 ) DAY timeframe will result in : 1. Filing of formal regulatory complaints with all appropriate federal and state agencies 2. Pursuit of joinder with existing class litigation for systematic violations 3. Initiation of individual federal court proceedings seeking maximum statutory, actual, and punitive damages plus attorneys fees and costs This notice shall serve as documentation of your receipt of formal pre-litigation notification.

All communications regarding this matter must be transmitted in writing. 
All rights reserved under applicable federal and state statutes. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission Office of the Attorney General, Louisiana

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