Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Experian, XXXX XXXX and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXXXXXX XXXX  ( XXXX ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX as XXXX continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data including continued FCRA and FDCPA violations and XXXX XXXX non-compliance as specifically set forth in XXXX Arbitration cases filed against XXXX by me on XX/XX/XXXX which are realleged by reference as if specifically set forth at length herein. My XXXX data must be DELETED permanently due to ongoing disputes litigated for which data reported is completely inaccurate for every XXXX XXXX entry. At a minimum, my credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. On XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. My XXXX arbitration cases set forth in at lease XXXX pages of documents needed to be now examined in their entirety describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA XXXX FDCPA and other statute violations. XXXX filed multiple counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX XXXX dismissed the counterclaims and filed prohibited state court proceedings against me in state courts for identical claims contained in the XXXX counterclaims. Subsequently, XXXX dismissed the state court proceedings as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( XXXX ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule XXXX ( a ) ( XXXX ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX. Therefore, the second dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit or proceeding on its adjudicated claims nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. I have been the prevailing party. Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind otherwise the XXXX data must be permanently deleted. Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of closed and adjudication of litigation on the merits under the two-dismissal rule. Any investigation by XXXX and any CRA must examine the complete dispute record in its entirety to comply with the dispute process obligations of furnishers and CRAs. Sincerely, XXXX XXXX XX/XX/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