Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF CLAIM Non-Dispute Based FCRA Violations & Offer to Cure Account XXXX : XXXX To Whom It May Concern, YOU KNOWINGLY VERIFIED INACCURATE INFORMATION .............. I ATTACHED PROOF. 


This letter is to notify you that you are reporting inaccurate and misleading information on my Experian credit report in connection with the above-referenced account. After receiving my formal dispute, you verified this inaccurate data as accurate.

You are now in violation of : FCRA 1681e ( b ) : Failure to report with maximum possible accuracy ; FCRA 1681s-2 ( b ) : Failure to properly investigate and correct disputed information ; 12 C.F.R. 1022.42 : Furnisher accuracy and reinvestigation obligations.

Your Metro 2 reporting is materially flawed, and your verification constitutes willful noncompliance under FCRA 1681n, subjecting you to statutory and actual damages.

Opportunity to Cure To resolve this matter outside of arbitration or litigation, I am offering to settle this issue for {$5000.00} in damages. Upon receipt, I will release all claims related to this dispute. If you decline or fail to respond within 10 calendar days, I will proceed with : Filing a complaint with the CFPB and FTC ; Pursuing arbitration or federal litigation for full statutory, actual, and punitive damages, plus fees. 

In accordance with your agreement terms, if arbitration becomes necessary and I can not afford to pay the organizations or arbitrators costs, you are required to advance those costs upon request. Consider this written notice of my request : Should this matter not be resolved amicably through pre-settlement, I hereby demand that you advance all filing and arbitration-related fees. 

This notice shall serve as both a pre-settlement demand and a formal fee advancement request under your stated arbitration provision : " Fees and Costs : If you wish to begin arbitration against us but you can not afford to pay the organizations or arbitrators costs, we will advance those costs if you ask us in writing. Any request like this should be sent to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' This is your final opportunity to resolve this matter privately. 

Pursuant to your arbitration clause, this correspondence shall also constitute a Claim Notice under your agreement. The Claim Notice includes : My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My account number : XXXX A detailed description of the nature of the claim : This is not a dispute. I previously notified you that you were reporting inaccurate information. You verified the information as correct, despite being notified of its inaccuracy. My attached Experian credit report shows that you placed two separate charge-offs, which is unlawful under FCRA. Any inaccurate or misleading data must be removed under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and the related CFR.

As required, this Claim Notice is being sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All rights reserved. No admission of liability. Govern yourselves accordingly. 

Sincerely, 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