Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear Experian Arbitration Department : This consumer represents the above-referenced consumer, XXXX XXXX XXXX regarding Experians negligent and willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its Arbitration Agreement. This letter serves as formal Pre-Arbitration Demand pursuant to the dispute resolution procedures set forth in your contractual Terms of Use. 
I. Summary of FCRA Violations and Inaccurate Reporting XXXX XXXX filed for XXXX XXXXXXXX Bankruptcy protection on XX/XX/XXXX ( Case No. XXXX ). Despite being notified of this filing, Experian continues to furnish consumer reports that are demonstrably inaccurate and misleading, failing to reflect the post-petition status of accounts included in the XXXX XXXX plan. 
The violations include, but are not limited to, the following : 1. Improper Post-Petition Delinquency Reporting : Multiple accounts marked as included in the Wage Earner Plan fail to consistently report a {$0.00} balance and {$0.00} past due status as of the Petition Date ( XX/XX/XXXX ). 
XXXX. Inaccurate Dates of Major Delinquency : For several accounts ( including XXXX XXXX XXXX and XXXX XXXX XXXX, Experian is reporting a Date of Major Delinquency ( or similar negative action ) that occurred after XX/XX/XXXX, XXXX XXXXXXXX filing date. This reporting is materially false as the automatic stay and XXXX XXXX plan preclude the accumulation or subsequent reporting of major delinquency status. 
XXXX. Contradictory and Vague Statuses : Accounts subject to the Bankruptcy ( e.g., XXXX XXXX ) report a confusing mixture of remarks ( e.g., " Petition for XXXX XXXX Bankruptcy, '' " Charge Off, '' " Paying under a partial payment agreement '' ), which violates the FCRA requirement to report information with maximum possible accuracy ( 15 U.S.C. 1681i ( a ) ). 
DEMAND : Experian must immediately delete all post-petition delinquency statuses and re-code the following accounts to unambiguously reflect " Included in XXXX XXXX Bankruptcy '' or " Discharged/Satisfied in XXXX XXXX, '' showing a {$0.00} balance and {$0.00} past due, with the original delinquency date ( if any ) preceding the XX/XX/XXXX petition date. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbjection to Arbitration and Reference to CFPB Enforcement Experian 's arbitration agreement, which aims to limit the consumer 's right to pursue litigation, is fundamentally undermined by the systemic and widespread deficiencies in dispute processing that directly led to the injuries suffered by XXXX XXXX. 
This Demand Letter highlights the very failures the Consumer Financial Protection Bureau ( CFPB ) addressed in its XX/XX/XXXX, lawsuit against Experian Information Solutions XXXX Inc., which alleged, among other things, that Experian engaged in unlawful practices by : 1. Failing to conduct reasonable reinvestigations ( sham investigations ) of disputed information as required by FCRA 611. 
2. Failing to forward all relevant information provided by consumers to furnishers.

3. Improperly reinserting inaccurate information into consumer reports. 
XXXX XXXX case is a textbook example of the harm caused by these alleged systemic failures. He has suffered actual damages, including but not limited to, denial of credit, emotional distress, and time spent attempting to correct Experians inaccurate file. 
This formal Pre-Arbitration Demand is served to provide Experian with its required notice and opportunity to cure the defects before the initiation of formal arbitration proceedings under the XXXX XXXX XXXX ( XXXX ) or XXXX  rules. 
XXXX. Demand for Resolution Pursuant to the applicable pre-arbitration procedures, XXXX XXXX demands the following relief within thirty ( 30 ) days of the date of this letter : XXXX. Immediate and Permanent Correction : Permanently delete all inaccurate and misleading post-petition reporting statuses ( delinquencies, charge-offs, incorrect major delinquency dates ) from XXXX XXXX Experian consumer file. 
XXXX. Confirmation of Compliance : Provide XXXX XXXX with a final, corrected Experian credit file reflecting the updated status of all accounts listed in Section I. 
XXXX. Monetary Compensation : Pay XXXX XXXX the amount of $ [ A Reasonable Settlement Amount, e.g., {$15000.00} to {$25000.00} ] to compensate him for the negligent and willful violations of the FCRA, emotional distress, and other damage suffered. 
Failure to provide a substantive response and confirmation of corrections within the thirty ( 30 ) day period will be deemed a rejection of this Pre-Arbitration Demand, at which time XXXX XXXX will immediately proceed to file a formal Arbitration Complaint and pursue all available statutory and equitable remedies under the FCRA. 
Sincerely, 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