Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Notice-Pre-Arbitration Demand and Intent to Sue for FCRA Violations To Whom It May Concern, This letter serves as a final demand for resolution prior to initiating binding arbitration or filing suit for willful and/or negligent violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] by your agency. 

On XX/XX/XXXX, I re-submitted a formal dispute regarding the inaccurate reporting of the following account ( XXXX ). On XX/XX/XXXX, the re-investigation of the dispute came back as updated and verified. 

XXXX XXXX XXXX Your agency failed to properly investigate and correct the inaccurate, incomplete, and/or unverifiable information as required by FCRA laws. This constitutes a violation of the following sections of the FCRA : 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable re-investigation of disputed information.

1681e ( b ) : Failure to ensure maximum possible accuracy of information in consumer reports.

1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information.

1681i ( a ) ( 6 ) & ( 7 ) : Failure to provide the consumer with proper notice and method of verification information following the re-investigation.

1681e ( b ) : Reporting inaccurate or outdated information 623 ( a ) ( 1 ) ( A ) : Knowingly reporting inaccurate information Your noncompliance has caused damage to my credit profile, and I have suffered harm including, but not limited to : Denial of credit opportunities, Emotional Distress, Lost financial opportunities, Damage to reputation.

To resolve this matter amicably and avoid legal action, I am willing to settle for the amount of {$10000.00}. This demand includes compensation for actual damages, statutory damages, and reasonable consideration for the potential punitive damages allowed under 1681n and 1681o. Also, I demand immediate deletion or correction of the inaccurate/unverifiable item ( XXXX ) from my credit report, and written confirmation of such deletion/correction within 15 days. 

Please remit payment within 15 days of receipt of this letter. Should you decline this settlement offer or fail to respond within the stated time, I reserve the right to pursue all available legal remedies, including filing a lawsuit in federal court. 

This letter is sent in good faith in an effort to resolve this matter amicably. I have highlighted the discrepancies within the updated dispute results and the prior dispute results. To include, {$28.00}, XXXX was written off XX/XX/XXXX, as profit-loss reported to the IRS. The updated dispute result shows that the account was written off for {$28000.00} and charged off as of XX/XX/XXXX. Therefore, you can not report delinquency monthly and report to the IRS XXXX different charge-off dates, thats a violation of my rights per FCRA law 15 U.S.C 1681s-2, 15 U.S.C. 1666b, and 15 U.S.C. 1681 ( e ) ( b ). I will be filing a complaint with the Internal Revenue Service ( IRS ) to verify which information is accurate, and report suspicion of fraud. 

You have verified these accounts with XXXX XXXX XXXX per your re-investigation conducted with Report # XXXX for XX/XX/XXXX, and has violated me XXXX times. I have never signed any contracts with XXXX XXXX XXXX, nor did I ever send any payment to the company. The recent payment amount of {$5.00}, XXXX as of XX/XX/XXXX, is fraudulent, and I will be reporting the fraudulent transaction to the IRS. Per a written correspondence from XXXX on XX/XX/XXXX, the company has sold my debt to another company XXXX XXXX without any prior written notice. Send me a {$10000.00} check and delete each negative item.

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