Product: Credit reporting or other personal consumer reports

Subject : Failure to Adhere to FCRA Requirements and Non-Compliance with Consumer Dispute Request To : Experian Dispute Resolution Department From : XXXX XXXX Date : XX/XX/XXXX Reference : Complaint/Case XXXX Dear Experian Dispute Resolution Team, I am writing in response to your recent reply regarding my complaint submitted on XX/XX/XXXX, through the CFPB Complaint Portal. Your response fails to address my original complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and instead shifts responsibility to the data furnishers. This response does not comply with federal legal requirements and disregards the specific obligations that Experian, as a consumer reporting agency ( CRA ), must uphold.

Failure to Address FCRA Violations 1. Unauthorized Reporting Without My Written Consent My complaint explicitly stated that Experian is reporting accounts without my explicit written consent.

Under 15 U.S.C. 1681b ( FCRA Section 604 ), a consumer reporting agency may only furnish a credit report under specific permissible purposes. No such permissible purpose exists for these accounts, and Experian has failed to provide evidence that it has obtained my authorization.

Your response did not address the legal requirement that Experian must have my explicit written consent to include this information in my consumer file. Instead, you inappropriately referred the dispute to the data furnishers, which does not absolve Experian of its legal responsibility under the FCRA.

2. Failure to Remove Unauthorized or Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I have the right to request the removal of fraudulent or unauthorized accounts. I specifically identified two accountsXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX unauthorized. 
According to FCRA Section 605B, when a consumer disputes an account as fraudulent, Experian must block the information within four ( 4 ) business days. Your response failed to acknowledge or comply with this obligation, and the accounts remain on my report in direct violation of federal law. 
3. Misrepresentation of Experians Role in the Dispute Process Your response states that Experian merely acts as an intermediary between consumers and data furnishers. However, under 15 U.S.C. 1681i ( FCRA Section 611 ), Experian is required to conduct a reasonable reinvestigation of disputed information. 
Simply forwarding my dispute to the data furnishers and accepting their verification without proper scrutiny does not constitute a reasonable reinvestigation as required by law. 
If an item can not be verified in accordance with the law, it must be removed. Your response fails to acknowledge this requirement.

4. Failure to Provide Proof of Verification or Permissible Purpose Your response claims that the furnishers verified the accounts, yet you failed to provide any supporting documentation proving such verification.

Under 15 U.S.C. 1681i ( a ) ( 6 ), upon completion of a reinvestigation, Experian must provide me with a written notice of its determination and the procedures used to verify the information. No such documentation has been provided.

Additionally, under 15 U.S.C. 1681b, I have the right to demand proof of a permissible purpose for these accounts being reported. Your response does not provide this evidence, further demonstrating non-compliance with federal law.

Experians Legal Liability for Non-Compliance By failing to comply with the above FCRA requirements, Experian is in violation of federal law and may be held liable for : Willful non-compliance under 15 U.S.C. 1681n, which subjects Experian to statutory damages, punitive damages, and attorneys fees. 
Negligent non-compliance under 15 U.S.C. 1681o, which subjects Experian to actual damages and attorneys fees.

Demand for Immediate Action Given the above violations, I demand the following actions be taken immediately : 1. Remove the Unauthorized Accounts The following accounts must be immediately deleted from my credit report as required under FCRA Section 605B : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. Provide Documentation of XXXX If you claim that these accounts have been verified, you are required to provide documentation demonstrating how they were verified, including proof that I gave explicit written consent for them to be included in my credit report. 
3. Provide Proof of Permissible Purpose If you claim a permissible purpose exists under FCRA Section 604, provide the exact authorization document that allows these accounts to remain on my report.

4. Comply with FCRA Section 605B Block these accounts within four business days as required by federal law.

Failure to comply will leave me no choice but to escalate this matter further, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding Experians violations.

Initiating legal action against Experian for willful and negligent non-compliance with the FCRA, seeking statutory and punitive damages.

This matter requires immediate attention. Please respond in full compliance with federal law within the required timeframe.