Consumer complaint received 2025-01-15 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Sent certified via CFPB consumerfinance.gov RE : Demand for Redress and Remedy Due to Unlawful Conduct ATTN : Experian Legal Department and Consumer Affairs Dear Sir / Madam / Representative : I am contacting you in writing with this pre-demand letter to legally put you on official notice.

I am demanding immediate redress and remedy in the amount of {$50000.00}, and the immediate removal of all derogatory and previously disputed items and information that I have submitted disputes for to Experian over the past 24 months, that are still reporting on my credit report.

I am attempting to resolve this professionally, privately and respectfully out of court, but if we can not come to an agreement, I intend to sue.

Here is a statement of my case that I intend to submit to the court : As a consumer that has been engaged in ongoing disputes with Experian for the past 24
months, since the beginning of XXXX, I can attest that I have been negatively impacted and affected, mentally, emotionally, and harmed economically, having lost out on significant financial opportunities, as a result of Experian 's unlawful and frivolous handling of my disputes regarding errors on my credit report. My consumer experience with Experian is congruent to the recent findings by the Consumer Financial Protection Bureau ( CFPB ), that led to them filing a lawsuit against Experian, for violating The Fair Credit Reporting Act ( FCRA ) requirements for handling consumer disputes ; specifically by Experian conducting sham investigations that fail to properly address consumer disputes ; by Experian using faulty intake procedures and not accurately conveying all relevant information about disputes to the original furnisher ; by Experian routinely and uncritically accepting the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or even when Experian had other information available that suggested the furnisher 's unreliability ; and by Experian concluding the investigations by sending consumers notices that fail to lawfully inform them of the investigation results, and instead provided information that was confusing, ambiguous, incorrect, or internally inconsistent.

I have respectfully put Experian on notice numerous times by sending valid dispute letters and supporting documents via certified mail, and by submitting valid complaints directly through the CFPB, all to no avail. Experian has failed to lawfully provide me with any valid certificate and/or certifications of accuracy when requested, after an investigation in which they concluded the disputed file to be verified as accurate and updated on my report. Experian has also used various " stall tactics '' against me, such as ; requesting information and supporting documentation that had already been submitted for their convenience, directly by me as the consumer, through certified mail ; and other " stall tactics '' such as ; responding with the same general and generic response letter regarding very specific and particular concerns and/or requests by me as the consumer, that was ultimately ignored and unaddressed, as well as giving me the run around with claims of not being able to verify my identity.

I have retained every piece of documentation regarding all correspondences between myself, Experian and the CFPB, totaling over 30 documents since XXXX XXXX XXXXXXXX, that shall act as proof and validity of my claim ; and proof that Experian has failed to comply with the requirements of The Fair Credit Reporting Act ( FCRA ) and has violated multiple consumer financial protection laws including but not limited to ; 15 U.S. Code 6801, 15 U.S. Code 6802, 15 U.S.C. 1681, FCRA Section 604, FCRA Section 605, FCRA Section 607 and FCRA Section 609, ultimately failing in its duty as a credit reporting agency, to protect me as the consumer. These documents include ; all official and valid dispute letters sent by me as the consumer directly to Experian, all valid documents submitted to Experian by me for the purpose of identity verification, all ignored requests, insufficient dispute results and sham investigation responses received by me from Experian, all certified USPS tracking slips and receipts of proof of delivery from all certified letters, request and disputes sent by me as the consumer, directly to Experian, as well as emails and multiple certified CFPB consumer complaints against Experian for the following : " Problem with a company 's investigation into an existing problem '' and " Improper use of your report ''.

I look forward to resolving this matter amicably and I am amenable to discussing mediation. You may contact me directly at my email address [ XXXX ] if you would like to discuss this matter further.

Please send me a check payable in my name to the address listed above. If I do not hear from you by XX/XX/XXXX, you leave me no alternative but to file a lawsuit against you. In the event of a lawsuit, I intend to seek redress to the fullest extent permitted by law including, but not limited to, additional damages, legal service fees, court cost and accrued interest.

Sincerely, XXXX XXXX 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