Consumer complaint received 2025-08-19 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:
WILLFUL FCRA/FDCPA VIOLATIONS- DISMISSED LAWSUIT EVIDENCE IGNORED BACKGROUND - LEGAL VICTORY IGNORED : XX/XX/XXXX : XXXXXXXX XXXX voluntarily dismissed Case No. XXXX in XXXX XXXX XXXX rather than face court sanctions for failure to prosecute their debt collection lawsuit against me. Court records show they retreated from a scheduled sanctions hearing, proving they can not legally substantiate this debt claim.

MULTIPLE FEDERAL LAW VIOLATIONS : XX/XX/XXXX : Sent certified mail cease & desist letter to their collection law firm XXXX XXXX XXXX demanding cessation of all collection activities. Letter received and signed for - XXXX RESPONSE for 100+ days, violating FDCPA Section 1692c ( c ). 

XX/XX/XXXX : Sent second certified mail letter combining cease & desist demands with comprehensive debt validation requests under FDCPA Section 1692g, demanding verification of debt amount, original creditor proof, authority to collect documentation, and complete account records. Letter received and signed for - XXXX RESPONSE for 80+ days, violating multiple FDCPA requirements. 

XX/XX/XXXX : Sent certified mail FCRA dispute directly to XXXX XXXX  with complete court dismissal documentation, court register showing their retreat from sanctions hearing, and demand for immediate credit reporting correction under FCRA Section 1681s-2. Letter received and signed for - XXXX  RESPONSE for 20+ days, violating federal investigation requirements.

WILLFUL VIOLATIONS CONTINUE : Despite receiving clear legal proof that their own lawsuit was dismissed due to inability to substantiate the debt, both XXXX XXXX  and XXXX XXXX XXXX continue violating federal consumer protection laws : XX/XX/XXXX : Experian, XXXX, Transunion credit report shows fresh negative reporting despite dismissal evidence ; shows continued " CLOSED/CHARGE_OFF '' status ignoring legal resolution.

100+ days : Complete silence to all federal law compliance demands Pattern of violations : Systematic ignoring of FDCPA cease & desist, validation requests, and FCRA investigation demands.

INVESTIGATION FAILURE : Under FCRA Section 1681s-2, companies must investigate consumer disputes within 30 days and provide written results. Despite providing undeniable court evidence that they voluntarily dismissed their own lawsuit, they have conducted XXXX investigation and provided XXXX information for over 20 days. 

STATUTORY VIOLATIONS ESTABLISHED : FDCPA Section 1692c ( c ) : Communication after cease & desist ( 100+ day violations ) FDCPA Section 1692g ( b ) : Failure to validate debt within 30 days FCRA Section 1681s-2 ( b ) : Failure to investigate dispute within 30 days FCRA Section 1681s-2 ( a ) : Continuing inaccurate reporting after receiving dismissal evidence WILLFUL MISCONDUCT EVIDENCE : Their complete silence despite receiving court dismissal orders, certified mail receipts confirming delivery, and clear federal law violation notices demonstrates willful violations subject to enhanced statutory damages up to {$1000.00} per violation plus attorney fees.

RELIEF REQUESTED : Immediate regulatory investigation and enforcement action for systematic federal law violations, complete correction of credit reporting to reflect lawsuit dismissal, cessation of all collection activities, and investigation of pattern violations warranting regulatory sanctions.

DOCUMENTATION AVAILABLE : Court dismissal order, court register, certified mail receipts for all ignored federal law demands, current credit reports showing continued violations despite evidence provided.

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