Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as formal notice regarding EXPERIANs continued failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and corresponding Florida Statutes. Since XX/XX/XXXX, I have repeatedly disputed information on my credit report, and your company has failed to properly investigate and resolve these disputes, including blocked accounts that continue to reappear despite prior notifications. Your handling of these disputes demonstrates a systemic failure to comply with federal and state laws, mirroring the allegations outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against EXPERIAN, which accuses your company of conducting sham investigations into consumer disputes. 

This matter has caused me significant harm, including the denial of suitable housing due to the continued reporting of inaccurate and previously blocked information. I am unable to continue tolerating these violations and demand immediate resolution to avoid litigation. 

Background Since initiating disputes in XX/XX/XXXX, I have provided all necessary documentation to EXPERIAN to rectify inaccurate information on my credit report. Despite this, EXPERIAN has : XXXX. Failed to conduct meaningful investigations into my disputes, instead relying on automated or inadequate processes. 
XXXX. XXXX blocked or unverifiable information without proper investigation or notice. 
XXXX. Ignored your obligations under federal and state law to ensure the accuracy of consumer reports. 

This ongoing misconduct has left me unable to secure housing and has caused unnecessary financial and emotional harm. 

Violations of XXXX EXPERIANs actions constitute multiple violations of the FCRA and Florida Statutes, as outlined below : 1. 15 U.S.C. 1681e ( b ) / Florida Statutes 559.72 ( 6 ) : Failure to follow reasonable procedures to ensure maximum possible accuracy when preparing a consumer report.

2. 15 U.S.C. 1681i : Failure to consider and forward all relevant information to the furnisher of information during the dispute process.

3. 15 U.S.C. 1681i ( a ) ( 4 ) : Failure to delete information that was inaccurate, unverifiable, or could not be substantiated.

4. 15 U.S.C. 1681i ( a ) ( 5 ) : a. Failure to reinvestigate and correct inaccurate information. 
b. Failure to promptly notify furnishers that the information was deleted from the consumer report. 
c. Failure to implement procedures to prevent the reoccurrence of inaccurate or unverifiable information. 
5. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to maintain procedures to avoid providing inaccurate or false information upon re-investigation.

6. 15 U.S.C. 1681i ( 7 ) : Failure to provide a written description of the procedures used to determine the accuracy and completeness of disputed information. 

These violations are directly reflected in the allegations made by the CFPB in its XXXX lawsuit against EXPERIAN, where the agency found that EXPERIAN routinely dismissed consumer disputes without proper investigation, failed to adequately verify information, and relied on automated systems to perpetuate inaccuracies. This systemic misconduct is consistent with the issues I have experienced. 

Harm Caused by XXXX XXXX XXXX failure to comply with the FCRA and Florida law has caused me significant harm, including : XXXX. Denial of XXXX : I have been repeatedly denied rental housing due to inaccurate and previously blocked information that remains on my credit report. 
XXXX. Emotional Distress : Your mishandling of my disputes has caused continuous stress, anxiety, and frustration, which have negatively impacted my mental well-being. 
XXXX. Financial Harm : The continued reporting of inaccurate information has damaged my XXXX XXXX, limiting my ability to access credit or secure favorable financial opportunities. 

These damages are ongoing and will persist until EXPERIAN takes proper action to address its violations and ensure compliance with the law. 

Settlement Demand To resolve this matter without litigation, I demand the following : 1. Immediate Deletion of Inaccurate or Unverifiable Information : Permanently delete all inaccurate and previously blocked information from my credit report and provide written confirmation of this action.

2. Compliance Assurance : Ensure full compliance with the FCRA and Florida Statutes, including implementing procedures to prevent the reinsertion of inaccurate or unverifiable information. 
XXXX. Compensation for Damages : Provide compensation in the amount of {$7500.00} for the financial, emotional, and reputational harm caused by your negligence and willful violations of the FCRA and Florida law. 

If I do not receive written confirmation of compliance and resolution to this matter by XX/XX/XXXX, I will proceed with filing complaints with the CFPB, FTC, and the Florida Attorney Generals Office, as well as initiating legal action in state court ( Florida ) or federal court. In litigation, I will seek actual damages, statutory damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n, 1681o, and Florida Statutes 559.77. 

XXXX for XXXX EXPERIAN has had ample time to address these disputes, as my initial complaints were submitted in XX/XX/XXXX. This letter serves as your final opportunity to resolve this matter. I expect written confirmation of compliance and resolution no later than XX/XX/XXXX. 

Failure to meet this deadline will serve as evidence of bad faith and negligence, leaving me no choice but to escalate this matter as outlined above. 

Enclosures XXXX. A copy of my government-issued identification. 
XXXX. Proof of address. 
XXXX. Copies of prior dispute correspondence. 
XXXX. CFPB lawsuit documentation for reference. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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