Product: Credit reporting or other personal consumer reports

FINAL DEMAND FCRA, FDCPA, Texas Finance Code, and California Consumer Protection Violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California Attorney Generals Office Public Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Texas Attorney Generals Office Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, FTC, CFPB, California Attorney General, and Texas Attorney General, This letter serves as a final formal demand regarding your continued violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Texas Finance Code, and California consumer protection laws , which have resulted in unlawful credit reporting and debt collection practices. I have made multiple attempts to dispute inaccurate, unverified, and outdated information in my credit report, yet my disputes have been ignored, mishandled, or improperly verified. 

You have 15 days from the date of receipt of this letter to take corrective action, or I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, Federal Trade Commission ( FTC ), and initiate legal action. 


Chronological Breakdown of All Communication with Experian and Related Credit Report Analysis 1. XX/XX/XXXX Initial Formal Complaint Sent to Experian Complaint sent to Experian, CFPB, FTC, and Texas Attorney General. 

Issues raised regarding XXXX XXXX XXXX misreporting a paid account as charged off. 

XXXX XXXX XXXX falsely reported a {$2700.00} debt as active in collections. 

Requested immediate removal or correction of inaccurate information. 

Demanded documentation verifying debt ownership and investigation details. 

2. XX/XX/XXXX Formal Complaint Filed with Texas Attorney Generals Office Filed complaint with Complaint Number : XXXX against Experian for repeated FCRA violations . 

Cited Experians failure to investigate and correct inaccuracies under Texas XXXX XXXX XXXX XXXX XXXX. 

Highlighted Experians violations of Texas Deceptive Trade Practices Act ( DTPA ). 

Requested state investigation into Experians misconduct. 

3. XX/XX/XXXX Experian Reinvestigation Results Experian updated XXXX XXXX XXXX collection account but still reported as in collections. 

Outdated personal information remained unchanged. 

Experian provided no documentation to verify debt ownership. 

4. XX/XX/XXXX Experian Confirms Receipt of Dispute Experian acknowledged receipt of dispute. 

Stated investigation would be completed within 30 days. 

No details provided on reinvestigation methodology. 

Did not confirm whether creditors were contacted for verification. 

5. XX/XX/XXXX Formal Dispute Sent to Experian Regarding XXXX XXXX XXXX XXXX dispute regarding XXXX XXXX XXXX account sent to Experian. 

Detailed errors in charge-off status despite settlement process. 

Referenced violations of FCRA, Texas Debt Collection Act, and Texas Business and Commerce Code. 

Cited additional complaints and court cases against Experian and XXXX XXXX XXXX. 

Web inquiry conducted on XX/XX/XXXX, at XXXXXXXX XXXX, revealed 15 cases involving Experian, including ongoing lawsuits in XXXX XXXX District Court and XXXX XXXX XXXX disputes. 

6. XX/XX/XXXX XXXX Credit Report Analysis Reviewed XXXX credit report for discrepancies. 

XXXX XXXX XXXX account showed as settled with a {$0.00} balance. 

XXXX XXXX XXXX collection account absent from XXXX, indicating Experians exclusive reporting of negative information. 

7. XX/XX/XXXX Contradictory Reports from Other Credit Bureaus XXXX and XXXX XXXX reports reviewed. 

XXXX XXXX XXXX account shows as settled with a {$0.00} balance on XXXX and XXXX. 

XXXX XXXX XXXX collection account missing from XXXX and XXXX, meaning only Experian reports this negative item. 

Demonstrates XXXX failure to maintain accuracy in credit reporting, violating FCRA regulations. 

8. XX/XX/XXXX Formal Complaint Filed with FTC and California Attorney General Complaint filed against Experian for failure to correct disputed information. 

Complaint against XXXX XXXX XXXX for failure to update credit bureaus. 

Complaint against XXXX XXXX XXXX for illegal collection practices. 

9. XX/XX/XXXX Follow-Up Letter Sent to Experian Sent a written request demanding proof of verification for disputed accounts. 

Requested full disclosure of all documents and communications regarding reinvestigation. 

Notified Experian of intent to escalate legal and regulatory actions. 

10. XX/XX/XXXX Experian Releases New Dispute Results XXXX XXXX XXXX collection account marked as " Pending '' ( not removed ). 

XXXX XXXX XXXX account remained unchanged. 

Outdated personal information still reported inaccurately. 

11. XX/XX/XXXX Final Demand Letter Sent to Experian, CFPB, and California Attorney General Formal demand letter issued to Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Provided a 15-day deadline for corrections before further escalation. 


Final Remarks This case clearly demonstrates that Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX have repeatedly engaged in unlawful credit reporting and debt collection practices. I demand immediate corrective action. If compliance is not met within 15 days, I will escalate legal action. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX