Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA Subject : Formal Notice Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Demand for Remedy Dear [ Experian ], I am writing to formally notify you of your companys multiple violations of the Fair Credit Reporting Act ( FCRA ), as codified under Title 15 of the United States Code, and to demand immediate redress for the harm caused by these violations. This letter outlines the specific statutes you have violated, provides supporting case law, incorporates findings from the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, and details the steps I will take to protect my consumer rights. 
Violations of the FCRA 1. 15 U.S.C. 1681 ( a ) ( 1 ) and 1681 ( a ) ( 4 ) : Your failure to maintain accurate credit reporting as required by law compromises the public interest and subjects consumers like myself to economic harm. Inaccurate reporting threatens access to credit, employment, and housing. 
o Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of ensuring the accuracy of consumer reports to prevent harm to consumers. 
2. 15 U.S.C. 1681i : Your failure to conduct a proper investigation into disputed inaccuracies on my credit report, as required, directly violates this section. The CFPB recently highlighted such violations as sham investigations that fail to properly address disputes and convey accurate information to data furnishers. 
o Case Law Reference : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must conduct reasonable investigations into disputes. 
o CFPB Allegations : As noted in its lawsuit against Experian, sham investigations result in unresolved inaccuracies that jeopardize consumer XXXX. 
3. 15 U.S.C. 1681s-2 : Data furnishers failure to update or correct inaccurate information after being notified of the dispute constitutes noncompliance. This negligence violates federal mandates to ensure corrected data. 
o Case Law Reference : In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held furnishers liable for failing to correct inaccurate information after notification. 
4. 15 U.S.C. 1681b : Unauthorized access or use of my credit report for impermissible purposes violates permissible purpose requirements. Improper data handling reflects systemic failures to respect consumer privacy. 
o Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), the court limited permissible purposes to those explicitly authorized under the FCRA. 
5. 15 U.S.C. 1681e : Your inadequate procedures to ensure compliance with the FCRAs accuracy and privacy requirements further violate consumer rights. The CFPB noted systemic failures to implement basic measures that prevent reinsertion of inaccurate XXXX. 
o Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court underscored the necessity of reasonable procedures to ensure accuracy. 
6. 15 U.S.C. 1681q : Willful provision of false information constitutes fraud, punishable under the FCRA. CFPBs findings detail egregious mismanagement practices that harm consumers financial XXXX. 
7. 15 U.S.C. 1681n : For each violation, I am entitled to {$1000.00} in statutory damages. 
o Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court highlighted the availability of statutory damages for willful violations. 
Summary of Allegations and Harm The CFPBs investigation identified several practices by Experian that directly align with the issues I have experienced, including : 1. Sham Investigations : Like those alleged against Experian, your company has conducted inadequate investigations into disputes. These sham processes fail to accurately address the core issues, instead relying on insufficient or unreliable information from furnishers. 
o CFPB noted that such practices threaten consumers access to credit, employment, and housing and undermine public confidence in the accuracy of credit reportingXXXX. 
2. Failure to Correct Inaccuracies : Despite clear notification of disputed items, your company has reinserted or failed to remove erroneous information on my credit report. The CFPBs findings highlighted similar actions by Experian, which the Bureau described as failing to implement basic matching tools to ensure the integrity of consumer reportsXXXX. 
3. Mismanagement of Consumer Disputes : Faulty dispute intake procedures and the failure to notify consumers about investigation outcomes mirror CFPB allegations. These deficiencies result in a lack of transparency and ongoing harm to consumers financial stability. 

Accounts XXXX XXXX : XXXX. XXXX XXXX # : XXXX Inaccuracies : From XXXX XXXX  reports a consecutive late payment of 60 days. From XXXX XXXX  reports a consecutive late payment of 120 days. Date of last payment received is inconsistent with payment history. 
2. XXXXXXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies : the opening and closing of these accounts are not consistent with the other CRAs or the payment history. 
Account # : XXXX. Shows no data for XXXX XXXX, XXXX, which was the alleged last payment made then follows with a late payment of 60 days beginning in XXXX. 
3. XXXX XXXX XXXX # : XXXX Inaccuracies : the date of first delinquency is listed as XX/XX/XXXXXXXX  which is inaccurate compared to what the creditor has on file. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies : the payment history from XXXX XXXX shows a consecutive 30-day late payment which would be inaccurate. From XXXX XXXX  shows a consecutive 90-day late payment. 

The balance of the account is inaccurate, it does not reflect the recent account balance from XXXX. Along with the Past due amount it lists {$2700.00}, this is inaccurate in comparison to what the creditor has on file. 


Remedies Sought To resolve these issues without escalation, I demand the following : 1. Immediate Payment of {$6000.00} : This amount reflects the financial and emotional harm caused by your actions, including damage to my creditworthiness and associated economic opportunities. 
2. Correction of All Errors : Ensure the permanent removal of disputed inaccuracies from my credit report. 
3. Confirmation of Compliance : Provide written documentation confirming compliance with FCRA obligations and detailing corrective actions taken. 
Arbitration Notice In addition to pursuing legal remedies for these violations, I intend to bring this matter to arbitration under the XXXX XXXX XXXX XXXX XXXX ) rules. Per the XXXX Consumer Arbitration Fee Schedule, the following costs will apply : Filing Fee : {$220.00} Case Management Fee : {$1400.00} ( for a single arbitrator ) Hearing Fee : {$500.00} Arbitrator Compensation : {$2500.00} per day for in-person, telephonic, or virtual hearingsXXXX. 
These fees will be your companys responsibility under XXXX rules. I reserve the right to amend this cost estimate based on additional fees or procedural requirements. 
Legal and Financial Implications Failure to address this matter within 30 days will leave me no choice but to escalate this case. Such actions may include arbitration or legal proceedings, during which I will seek additional damages and penalties as outlined under the FCRA, including statutory damages of {$1000.00} per violation. 
Your practices, as outlined above and detailed by the CFPB in its XX/XX/XXXX enforcement action, constitute egregious violations of consumer rights. I trust that you will take this opportunity to rectify the situation promptly and fairly. 
Thank you for your prompt attention to this matter. Please direct all correspondence to the address listed above. 
Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

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