Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/year>, a cXXXX complaint was properly filed in the XXXX XXXX XXXX California XXXX XXXX of XXXX, against Equifax Information Services LLC, alleging violations of both federal and California consumer protection statutes. This action stemmed from XXXX persistent and willful failure to correct inaccuracies in our credit reports, despite multiple formal disputes, direct communications, and notice of harm. 

Equifax did not respond to the legal complaint. 

On XX/XX/year>, we issued an official XXXX XXXX Notice XXXX XXXX totaling {$300000.00}, delivered on legal letterhead and signed by counsel. This notice detailed our claims under the following statutes : Fair Credit Reporting Act ( FCRA ) failure to investigate and correct disputed information Fair Debt Collection Practices Act ( FDCPA ) unlawful communication and collection efforts XXXX Fair Debt Collection Practices Act ( XXXX ) egregious misconduct under California XXXX California Consumer Credit Reporting Agencies Act ( CCCRAA ) noncompliance with duties to maintain accurate data Despite being served with this clear notice of legal and financial liability, Equifax has again failed to respond, correct the credit report, or offer any acknowledgment of their statutory obligations. 

IMPACT : This is not merely a case of clerical error. The consequences of XXXX willful neglect have been severe, lasting, and XXXX devastating. Our attempts to secure housing, obtain fair credit, and live without the burden of false XXXX credit entries have been thwarted by their ongoing inaction. 

We have suffered financial loss through loan denials and higher interest rates. 

We have endured XXXX in front of landlords, lenders, and employers. 

We have experienced XXXX XXXX XXXX XXXX, waking daily under the shadow of misreported debts and unjust financial XXXX 

These are not hypothetical XXXX. They are real, measurable, and pXXXX. And they were preventable. 

LEGAL RELIEF SOUGHT : Per the legal invoice submitted, we are seeking full monetary and injunctive relief as follows : Category Amount FCRA Violations {$25000.00} FDCPA Violations {$2000.00} RFDCPA Violations {$5000.00} CCCRAA Violations {$20000.00} Actual Damages ( XXXX XXXX, credit XXXX  ) {$150000.00} Punitive Damages ( willful noncompliance ) {$75000.00} Attorneys Fees and Costs {$25000.00} Total {$300000.00} NOTE : As stated in the invoice, daily penalties of {$5000.00} are accruing due to noncompliance and bad-faith conduct by Equifax. 

CONCLUSION : Equifax has been given multiple opportunities to respond, correct, and comply. They have instead chosen silence and disregard. We urge the Consumer Financial Protection Bureau to investigate these violations immediately and to compel Equifax to : Provide full monetary compensation in the amount of {$300000.00} Remove and correct the erroneous entries on our credit reports ( ALL INQUIRIES and ALL XXXX ACCOUNTS including XXXX XXXX XXXX, and CaXXXX XXXX XXXX XXXX  Provide written assurance of ongoing compliance with federal and state law Respectfully Submitted, XXXX XXXX & XXXX XXXX XXXX Represented by XXXX XXXX XXXX, XXXX. 
Law Offices of 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