Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER DEMAND FOR ARBITRATION CASE FILING DATE : XX/XX/year> CASE NUMBER : XXXX CLAIMANT ( CONSUMER ) INFORMATION Name : XXXX XXXX XXXX Address ( Current Billing ) : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Represented By : Pro se RESPONDENT ( BUSINESS ) INFORMATION Business Name : EXPERIAN INFORMATION SOLUTIONS , INC . 
Address ( Registered Agent/Legal Dept ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( Legal Dept ) : ( XXXX ) XXXX ( General Consumer Affairs ) Arbitration Agreement Source : Experian Terms of Use , governing the period of services utilized. 
PART 1 : BRIEF EXPLANATION OF THE DISPUTE [ 1. Summary of Dispute ( For Experian 's Review ) ] The dispute alleges Willful and Negligent Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning Experians failure to conduct a reasonable reinvestigation and its improper reinsertion of a previously deleted public record. 
The XXXX initially disputed the inaccurate listing of the XXXX XXXX  Dismissed bankruptcy ( Case # XXXX ). Crucially, the record was confirmed deleted by Experians own internal dispute system on XX/XX/year>. Subsequently, the public record vendor ( XXXX ) confirmed removal of the same item from its file on XX/XX/year>. Despite this verified deletion and non-verifiability at the source, Experian improperly reinserted the negative record, certifying it as " accurate '' in subsequent reports ( XXXX and XX/XX/year> reports ). This action violates the FCRA 's anti-reinsertion mandate and demonstrates a willful procedural failure to ensure maximum possible accuracy. 
PART XXXX : NATURE OF THE DISPUTE [ XXXX. Nature of the Claim & Applicable Rules ] Field Detail Governing Rules XXXX Consumer Arbitration Rules ( Incorporating Commercial Rules & Supplementary Procedures for Consumer-Related Disputes ). 
XXXX XXXX XXXX XXXX demands the application of the XXXX XXXX XXXX as the arbitration arises out of a consumer agreement. 
XXXX of XXXX Binding XXXX. 
XXXX XXXX XXXX Georgia ( XXXX XXXX XXXX ). For hearing purposes, the Claimant requests the arbitration hearing be held at the nearest reasonable venue, such as the XXXX. Courthouse, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
[ XXXX. Detailed Nature of the Claim ( Legal Basis ) ] The claim is based on the statutory duties imposed on Consumer Reporting Agencies ( CRAs ) under the FCRA.

Cause of Action Relevant Statute Willful Noncompliance 15 U.S.C. 1681n Negligent Noncompliance 15 U.S.C. 1681o Failure of Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) Improper Reinsertion of Deleted Data 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) PART 3 : RELIEF SOUGHT [ 4. Damages and Equitable Relief ] Category Amount Claimed / Relief Requested Notes Dollar Amount of Claim Exceeds {$10000.00} Damages include statutory, punitive, and actual damages.

Actual Damages Compensation for Emotional Distress and Lost Credit Opportunity arising from the continued reporting of the inaccurate public record.

Statutory Damages Up to {$1000.00} per willful violation. Sought under 15 U.S.C. 1681n.

Punitive/Exemplary Damages Sought ( Due to willful and reckless disregard for consumer rights ). Determined by the Arbitrator. 
Interest Pre-judgment and post-judgment interest at the legal rate allowed by Georgia law. 
Attorney 's Fees & Costs Sought ( Recoverable under XXXX5 U.S.C. 1681n ). Includes recovery of the Claimant 's initial {$200.00} XXXX filing fee. 
Equitable Relief An immediate, permanent, and mandatory order compelling Experian to delete the record : Case # XXXX and to update the status of all associated tradelines to reflect the active XXXX XXXX XXXXling. 
PART XXXX : ARBITRATOR SELECTION AND FEES [ XXXX. Arbitrator Qualifications ] The Arbitrator must have a minimum of XXXX ( XXXX ) years of civil litigation experience, with specific expertise in the Fair Credit Reporting Act ( FCRA ) and federal court procedural standards ( e.g., motions to dismiss under 12 ( b ) ( 6 ) ).

[ 6. Fee Payment Responsibility ] The Claimant acknowledges the AAA Consumer Filing Fee cap of {$200.00}. As per Experian 's mandatory arbitration agreement, the Respondent ( Experian ) is obligated to pay all remaining administrative fees, arbitrator fees, and hearing fees. 
END OF DEMAND

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