Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
Subject : Systemic FCRA. CFPA, and GAGCPD Formal Dispute and Notice of Intent to Litigate for Violations of My Consumer Rights under the FCRA To Whom It May Concern : I am writing to formally dispute certain inaccurate and/or unverifiable information appearing on my Experian credit report ( XXXX XXXX XXXXXXXX XXXX and to notify you of my intent to pursue legal action should these matters not be resolved promptly and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, the following item ( s ) are in dispute : [ XXXX XXXX, XXXX ] XXXX dispute payment history profile ( account payment history last payment month is mmddyy with No charge off ) XXXX dispute current balance ( balance owed XXXX ) XXXX dispute date of last payment, date closed ( closed account date of closure ) XXXX Account involved in litigation - Metro 2 Byte Violations : BYTE 25 ( DOFD Violation ) Portfolio mismatch, Compliance condition code error. THERE IS NO DOFD, STARTING THE STATUE OF LIMITATIONS. 
- The above Affirm account has the incorrect account number. I dont have any ties to the above account number being shown on my credit report. 
- 12 U.S.C. 5531 ( CFPA ) : Both Experian, and XXXX XXXX engaged in unfair, deceptive, or abusive acts and practices ( UDAAPs ), in violation of the Consumer Financial Protection Act. 
Despite previous disputes and correspondence, you have either failed to properly investigate, failed to remove inaccurate information, or continued to report data that is not verifiable or that was included without proper permissible purpose. This constitutes a willful and/or negligent violation of the FCRA, particularly under : 1681i ( failure to conduct a reasonable reinvestigation ), 1681b ( lack of permissible purpose ), and/or 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ). 

XXXX XXXX XXXX XXXX ( XXXX Cir. 1998 ) XXXX : The court found the CRAs reinvestigation to be unreasonable because it failed to do more than passively forward information back and forth. This case underscored that reinvestigation must be more than a rubber stamp. 

As a result of these violations, I have suffered [ e.g., financial harm, denial of credit, emotional distress, etc. ]. If the disputed information is not removed or corrected within 15 calendar days of receipt of this letter, I will consider this continued noncompliance as evidence of willful disregard for my consumer rights and will proceed with legal action against Experian, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and a civil claim in federal court seeking statutory, actual, and punitive damages, as well as attorneys fees. 
Please consider this your final opportunity to correct these violations without court intervention. I request that you provide me with written confirmation that : 1. The disputed item ( s ) have been removed or corrected ; 2. A full reinvestigation has been conducted and its results ; 3. A description of the procedures used during your investigation.

This letter is written without prejudice to my rights and remedies, all of which are expressly reserved. 

Respectfully, 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