Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
XXXX XXXX ( SSN ending in XXXX XXXX XXXXXXXX ) Email : XXXX Phone : XXXX XXXX, XXXX  Date : XX/XX/XXXX To : XXXX Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX FINAL DEMAND BEFORE LITIGATION To Whom It May Concern : I, XXXX XXXX, age XXXX, a XXXX consumer, have been harmed for decades by your agencies failure to maintain accurate credit records, conduct reasonable reinvestigations, and restore my scorable status. Despite submitting XXXX formal disputes over the past year, including through the Consumer Financial Protection Bureau ( CFPB ), both Experian and TransUnion continue to : - Retain inaccurate addresses, some dating back over 20 years - Deem me unscorable, despite XXXX  restoring my score - Report XXXX flags that block access to banking - Fail to provide documentation or verification of retained data - Cause ongoing emotional distress, credit denials, and lost income opportunities * * Current Harm and Blockage * * As of today, I remain blocked from accessing credit and financing due to your failures. XXXX years ago, I paid off an auto loan in full, yet I am still forced to rely on a vehicle with over XXXX miles that is on its last legs. I continue pouring money into repairs, but can not obtain financing for a replacement vehicle. This prevents me from expanding my delivery operations or launching a workforce development venture that would provide jobs and community empowerment. Your agencies refusal to restore my scorable status directly obstructs my ability to participate in the economy and build a legacy. 

* * Legal Basis for Suit * * I am prepared to file a complaint in XXXX XXXX of XXXX XXXXXXXX XXXX  or in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ), citing : - 15 U.S.C. 1681e ( b ) Failure to maintain accurate records- 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation - 15 U.S.C. 1681n & 1681o Entitlement to statutory, actual, and punitive damages * * Settlement Offer * * To avoid litigation, I am offering a final opportunity to settle this matter for {$80000.00}. This amount reflects : - Statutory damages for retained inaccurate data - Actual damages for emotional distress and financial exclusion - Punitive damages for willful noncompliance - Time lost, dignity denied, and legacy delayed - Financial harm caused by inability to replace my vehicle and expand operations If this matter is not resolved within 10 calendar days, I will proceed with filing and seek {$100000.00} in court, including additional damages and legal costs. 

Sincerely, [ Signature ] 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