Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
URGENT LEGAL NOTICE : Initiation of Arbitration Proceedings for Breach of FCRA, FDCPA, and FCBA Inaccurate Credit Reporting by XXXX  XXXX XXXX Dear Sir/Madam , My name is XXXX XXXX XXXX I am writing to formally demand corrective action for my consumer rights which have been violated by XXXX XXXX XXXX XXXX I demand arbitration regarding the inaccurate credit reporting by XXXX  XXXX XXXX on my account. The inaccurate reporting has negatively affected my credit score, and I seek proper rectification and compensation. 

In terms of the Fair Credit Reporting Act, all fraudulent, inaccurate, and unverified information must be removed from a creditors Credit Report history. XXXX  XXXX XXXX has breached this Act by misrepresenting my credit information to Credit Bureaus, they have discriminated against me on various factors, breaching the Equal Credit Opportunity Act. They have violated my rights protected by the Fair Credit Billing Act and invaded my personal privacy causing me extreme emotional distress, and violating my rights protected by the Privacy Act of 1974. Despite previous communication and attempts to resolve this matter amicably, I have failed to see any resolution. 

My situation is of utmost concern, my ex-boyfriend poses a serious threat to me and my children due to XXXX  XXXX. It is essential to highlight the financial implications stemming from this distressing circumstance. The ongoing abuse has led me to seek therapy and attend XXXX classes for the immense fear I have for the safety of me and my children. In a bid to escape the physical, verbal, and mental abuse I had to resort to staying in hotels on several occasions incurring a substantial monthly expense of {$3000.00}. I have now depleted my resources, leaving me financially incapacitated and unable to relocate whilst my ex-boyfriend remains in close-proximity, and constantly threatens me. This affects my ability to provide a save living environment for me and my children, whose safety is my primary concern. The inaccurate credit reporting by XXXX  XXXX XXXX is compounding the difficulties that I am experiencing in securing a safe living environment for me and my children. 

List of issues with inaccurate Credit Reporting that XXXX  XXXX XXXX has wrongly reported against me : XXXX. Flagged 30 days past due XX/XX/XXXX XXXX. Decrease of XXXX points in Credit Score XX/XX/XXXX XXXX. Flagged 60 days past due XX/XX/XXXX XXXX. Closure of Credit Line XX/XX/XXXX XXXX. Reported Closure XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX. Flagged 30 days late XX/XX/XXXX XXXX. Flagged 60-90 days late Multiple dates between XX/XX/XXXX and XX/XX/XXXX XXXX. Multiple Credit Score drops - Various dates XXXX. Opening a new account without authorization XX/XX/XXXX As per the terms of the agreement I signed with XXXX  XXXX XXXX, I am invoking my right to arbitration. I kindly request that you : 1. Conduct a thorough investigation of my account to rectify the erroneous reporting.

2. Remove all inaccurate and unverified information from my Credit Record and represent it accurately, thereby restoring my credit score.

3. That all previous payments that were made by me be credited.

4. Provide written confirmation of the corrections made to my credit report.

5. All fraudulent credit transactions to be removed from my Credit Record, and rectification of my misrepresented credit information to relevant credit bureaus. 
6. Compensate me for any financial damages and emotional distress caused due to the inaccurate credit reporting.

These demands are made pursuant with various laws and statutes such as : 1. Section 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act, which states that after a consumer disputes information, if any item is deemed inaccurate or unverifiable during the reinvestigation then the consumer reporting agency must delete or modify the specific information. This action aligns with the treatment of inaccurate or unverifiable information as outlined in paragraph ( 1 ) of the Act. Section 623 ( a ) of this Act outlines the responsibilities of creditors to provide accurate information and correct any inaccuracies. Section 623 ( b ) addresses investigation of inaccurate information by furnishers after receiving notice of a dispute from a consumer.

2. Section 623 of the Fair Credit Billing Act specifically addresses the requirements for the accuracies and integrity of information furnished to consumer reporting agencies. Section 623 ( a ) of the Act outlines the responsibilities of creditors to provide accurate information and correct any inaccuracies.

3. 15 U.S.C Section 1666 ( b ) ( 4 ), which outlines that if the creditor fails to promptly reflect a payment made by the obligator it will be considered a billing error, and rectification thereof is required.

4. Section 202.4 of the Equal Credit Opportunity Act which prohibits creditors from discriminating against applicants on the basis of certain characteristics such as race, color, religion, national origin, sex, marital status, etc.

5. Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act outlines the prohibited practices for debt collectors, and this subsection specifically states that the false representation of the character amount or the legal status of any debt is a violation of the Act and constitutes false or misleading representations.

6. The Fair Debt Collection Practices Act focuses on regulating the behavior of creditors rather than explicitly outlining the responsibilities of debtors, however, debtors do have certain rights and responsibilities under this Act. The right to dispute the validity of a debt if they believe the amount is inaccurate. The right to request verification of a debt from the creditor and upon receiving a written request within 30 days of initial contact they are obligated to provide information validating the debt.

If you do not respond within 03 days of this letters receipt and adequately to these demands, I am prepared to pursue legal remedies to protect my rights. This may include but is not limited to initiating legal proceedings, seeking damages, or involving regulatory authorities. I believe that a prompt and fair resolution to this matter is in the best interest of all parties involved. Failure to respond to this demand within the stipulated timeframe will leave me with no alternative but to take the necessary legal action to protect my rights.

It is not my desire under no circumstances, and at no time during the Term or at any time to disparage, denigrate, slander, or defame you or the XXXX  XXXX XXXX business, services, properties or assets, or its employees, staff, agents, or representatives. However, I am prepared to take these necessary measures to reach a resolution that makes me whole. I am giving you the opportunity to make this right, or your surety bond will do so on your behalf, but not without detrimental consequences. Govern yourselves accordingly and do the right thing. 

Should you fail to address these issues or neglect to engage in the arbitration process, I may have no choice but to initiate legal proceedings. 

I look forward to your response within the specified time frame. 

following items illegal consumer credit transactions I demand immediate removal AKA all late payments : I also demand immediate removal from all of these companies as they were given the allotted time over 6 months to validate and produce wet signature docs and they have failed. I also request current and future blocking from all creditors ' reporting. 
XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX E-mail : 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