Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Submitted via CFPB Complaint Portal Date : XX/XX/year> To : Experian Attn : Legal Department / General Counsel XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO ARBITRATE Pre-Arbitration Notice 30-Day Opportunity to Cure To Experian Legal Department : This is a formal Notice of Intent to Arbitrate pursuant to the terms of your binding arbitration agreement, the XXXX XXXX XXXX ( XXXX ) XXXX and the Fair Credit Reporting Act ( FCRA ). I am notifying you that if full deletion of all inaccurate, unverifiable, and unlawfully reported derogatory accounts is not completed within 30 calendar days of this notice, I will initiate arbitration proceedings through the XXXX XXXX XXXX XXXX XXXX ) as specified in your contract. 

XXXX & XXXX On XX/XX/year>, I filed XXXX separate complaints through the Consumer Financial Protection Bureau ( CFPB ) : Complaint # XXXX : Challenged Experians refusal to disclose reinvestigation methods and demanded deletion of all accounts previously verified without documentation. 
Complaint # XXXX : Demanded correction of personal information and removal of accounts linked to errors in identity, name variation, and improper matching. 

As of today, Experian has not resolved these disputes. My updated credit report confirms that all previously disputed derogatory accounts remain. No correction or reinvestigation results were provided in accordance with FCRA 1681i ( a ) ( 6 ), and no legally sufficient validation was supplied.

Accounts Still Illegally Reporting You are currently reporting the following accounts that were disputed and remain : XXXX. XXXX XXXX XXXX Charged-off auto loan with post-charge-off balance, no 1099-C, repeated 90-day lates XXXX. XXXX XXXX XXXX XXXX Active collection, no validation, no proof of assignment XXXX. XXXX XXXX XXXX Disputed collection, no investigation results, no ownership documentation XXXX XXXX XXXX XXXX XXXX XXXX Reports 30-day lates after account closure ( factually impossible ) XXXX. XXXX XXXX payment after closure date ; structurally inaccurate XXXX. XXXX XXXX XXXX XXXX  XXXX account still showing late mark post-closure Legal Violations Your continued reporting of the above accounts after formal notice constitutes the following : FCRA 1681i ( a ) Failure to delete unverifiable data FCRA 1681e ( b ) Reporting of false or inaccurate information FCRA 1681s-2 ( b ) Failure to conduct proper reinvestigation IRS Code 6050P No proof of debt cancellation tax reporting Metro 2 Repeated formatting violations XXXX  Agreement Breach Suspected automated verification without human oversight Damages & Arbitration Each violation is subject to statutory damages of {$1000.00} under FCRA and related federal law. As outlined above, you are in violation of at least XXXX separate counts, totaling : {$20000.00} in statutory liability, plus punitive damages, arbitration costs, and attorneys fees. 

Per your arbitration agreement, I am : Notifying you at your designated Notice Address Demanding full deletion of all the above accounts within XXXX calendar days Reserving my right to file arbitration through XXXX  if no satisfactory resolution is reached This notice satisfies all preconditions required under section ( b ) of your arbitration agreement. Once 30 days expire, arbitration will proceed without further notice. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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