Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
Formal Response to XXXX Dispute Verification Failure to Conduct a Reasonable Reinvestigation in Violation of Federal and Louisiana Law To Whom It XXXX Concern, This correspondence serves as my formal notice and demand in response to XXXX so-called investigation results regarding inaccurate information reporting on my credit file. The response I received is wholly inadequate and constitutes a violation of both federal law and Louisiana consumer protection statutes. 

XXXX. Failure to Conduct a Reasonable Reinvestigation XXXX claim that certain accountsnamely XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX verified as belonging to me is unsupported by evidence and legally insufficient under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). 

XXXX investigation, which merely relies on automated electronic confirmation from furnishers, does not satisfy the statutory requirement of a reasonable reinvestigation. The FCRA mandates that a consumer reporting agency independently evaluate the accuracy of disputed information. XXXX XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

If Equifax can not produce documentary proofincluding original signed contracts, account applications, or legally admissible evidence verifying my liabilitythen your verification has no legal standing. 

XXXX. Manipulation and Inaccurate Modification of Data Fields XXXX modification of fields such as Date of Major Delinquency, High Credit, or Account History without underlying verification constitutes data manipulation, not correction. Such actions XXXX be construed as willful noncompliance under FCRA 1681n and 1681o, subjecting Equifax to statutory, actual, and punitive damages, as well as recovery of attorneys fees. 

XXXX. Violation of Louisiana State Law Under Louisiana Revised Statutes Title XXXX, XXXX ( Louisiana Unfair Trade Practices and Consumer Protection Law ), it is an unfair or deceptive act to misrepresent, suppress, or omit material facts that impact a consumers creditworthiness. Continuing to report or verify information that can not be substantiated constitutes a deceptive business practice within the meaning of La. XXXX. XXXX et seq. 

Furthermore, Louisiana Civil Code XXXX XXXX provides that any person who causes damage to another through fault, negligence, or unlawful acts is obligated to repair it. XXXX failure to ensure data accuracy directly harms my credit reputation, employment prospects, and financial stabilitycreating grounds for both federal and state liability. 

XXXX. Demand for Immediate Action You are hereby formally demanded to : XXXX. Provide all supporting documentation obtained during your reinvestigation, including direct communications and verification evidence from furnishers. 
XXXX. Permanently delete any tradeline or inquiry that can not be verified through documentary evidence bearing my authentic signature or clear proof of authorization. 
XXXX. Provide a corrected credit report and written confirmation of compliance within XXXX calendar days of receipt of this notice. 

XXXX. Notice of Intent to Escalate If Equifax fails to comply within the specified time frame, I will immediately file additional complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Louisiana Attorney Generals Office Consumer Protection Section, and I will pursue civil litigation for damages under both federal and state law. 

This correspondence constitutes formal notice under 15 U.S.C. 1681 and Louisiana Revised Statutes XXXX et seq.

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