Consumer complaint received 2025-04-28 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:
Subject : Formal Demand for Arbitration, Immediate Cease of Collection Activities, and Correction of Credit Reporting Dear Santander and Credit Bureau Compliance Departments, This letter serves as a formal demand for arbitration pursuant to the arbitration provision included in my original vehicle financing agreement with XXXX XXXX XXXX XXXX specifically concerning my XXXX XXXX XXXX. 

Detailed Account History and Dispute Background : On or around XXXX XXXX, I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Over the past three years, I have disputed inaccuracies concerning this account, explicitly requesting debt validation as required by federal law, specifically the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

XXXX has consistently failed to provide legally required debt validation, including a copy of the signed original contract, detailed payment breakdowns, and a complete summary of charges. 

Despite more than ten formal disputes submitted over three years, XXXX has ignored these requests, yet continues to inaccurately report this account to XXXX, Experian, and XXXX 

Legal Violations and Concerns : XXXX actions violate multiple statutory requirements : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, furnishers of credit information must investigate and correct inaccuracies upon receiving a dispute. Santanders persistent inaccurate reporting after repeated disputes constitutes a clear violation, exposing XXXX to liability for statutory, actual, and punitive damages. 

Fair Debt Collection Practices Act ( FDCPA ) : Pursuant to 15 U.S.C. 1692g, XXXX has failed to validate the debt despite multiple requests explicitly demanding documentation, which is mandatory for debt XXXX upon receipt of a consumers validation request. 

Florida Consumer Collection Practices Act ( FCCPA ) : Under Florida Statute 559.72 ( 9 ), it is unlawful to collect or attempt to collect a debt without first providing adequate proof of the debts validity upon the debtors request. 

Relevant case law further supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), highlights furnishers responsibilities to investigate consumer disputes thoroughly under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), underscores the necessity for proper debt validation documentation under the FDCPA. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), clearly demonstrates the applicability of the FCCPA regarding improper collection attempts without providing debt validation. 

Demanded Immediate Actions : Immediately initiate arbitration under the original financing agreement.

Cease all collection activities and communication attempts related to this disputed account until arbitration concludes.

Correct and immediately cease any negative or inaccurate credit reporting related to this account. 

Provide the previously requested comprehensive debt validation documentation, including the original signed contract and detailed payment breakdown. 

Specific Demands to XXXX, Experian, and XXXX  : Immediately investigate and remove inaccurate reporting concerning this disputed XXXX account. 

Provide written confirmation of actions taken to correct and remove the inaccuracies within 30 days. 

Cease accepting and reporting information regarding this account until XXXX properly validates the debt. 

Legal Consequences : Failure to comply with these demands within fourteen ( 14 ) calendar days from the receipt of this notice will result in further legal action, including arbitration to seek relief for violations of federal and state law. I will seek : Actual damages resulting from the violation, including harm to creditworthiness.

Statutory and punitive damages as provided by applicable laws.

Attorneys fees, arbitration fees, and associated costs.

All communications must be directed exclusively to me at the provided address or email. 

I expect your prompt response and cooperation. 

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