Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
FORMAL NOTICE OF VIOLATION, ADA IMPLICATIONS, AND SETTLEMENT DEMAND To : Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  From : XXXX XXXX Date : XX/XX/XXXX Subject : Updated Notice of Violations under FCRA, FDCPA, Bankruptcy Code, and ADA Impact XXXX, Experian, and XXXX  This notice supplements and expands my previous dispute and legal demand by adding critical violations related to the Americans with Disabilities Act ( ADA ) and the direct harm caused to my pending application for Social Security XXXX benefits. SUMMARY OF ISSUES : XXXX. XXXX XXXX - Misreported Account : - Account falsely reported as " XXXX. {$4100.00} past due as of XX/XX/XXXX '' after XXXX  XXXX discharge.- XXXX  stated they could not verify this data, but Experian still marked it as verified.- Clear violations of FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), and Bankruptcy Code XXXX  ( a ). 
2. MISSING BANKRUPTCY DATA - EXPERIAN TAMPERING : - Experian previously listed a verified U.S. XXXX  XXXX Bankruptcy.- After disputing inaccuracies, the bankruptcy record vanished from my report while dispute results stated : " Item remains. " - This contradiction and erasure constitutes data suppression and misrepresentation.- Violates FCRA 1681i, 1681n, 1681e ( b ). 3. XXXX XXXX  - ILLEGALLY REPORTED AS OPEN : - Account # XXXX falsely reported as " Open. {$13000.00} past due as of XX/XX/XXXX. " - This mortgage was legally discharged in my bankruptcy.- I never reopened the loan. Reporting this as an open account may reflect account fraud or unauthorized reactivation.- Violates Bankruptcy Code 524 ( a ), FCRA 1681c ( a ) ( 4 ), 1681s-2 ( b ). ADDITIONAL HARM & VIOLATIONS : - I am **pending a Social Security XXXX determination**. Falsely listing an open mortgage and a past-due car loan directly misrepresents my financial status, increases my debt-to-income ratio, and may affect my eligibility or payment amount.- This reporting constitutes a barrier to federal benefit access and may trigger **ADA implications** if found to be discriminatory, negligent, or willfully harmful under 42 U.S.C. 12101. DEMAND FOR SETTLEMENT : In light of these compounding violations and personal harm, I am demanding a full resolution of the inaccurate records and a financial settlement of : - {$6000.00} for statutory FCRA violations ( XXXX minimum ) - {$5000.00} for emotional distress and SSA-related interference- {$6500.00} in punitive damages- TOTAL SETTLEMENT DEMAND : {$17000.00} You have **15 days** to delete, correct, and confirm all disputed items and issue a response to this legal demand. Non-response will be reported to the CFPB, FTC, and NM Attorney General, and will trigger formal legal action under federal law. 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