Product: Credit reporting or other personal consumer reports

Formal Complaint to Experian Legal Department Attn : XXXX XXXX Subject : Severe Violations of FCRA Continued Reporting of Accounts Removed by Creditors from XXXX and XXXX Dear XXXX XXXX, This letter serves as a formal complaint and demand for immediate action against Experian for its systematic violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting and verification of inaccurate accounts. Specifically, this complaint addresses Experians refusal to remove accounts that have already been investigated and removed by creditors from XXXX and XXXX credit reports. 

Despite being provided with substantial evidence proving the inaccuracies of these accounts, Experian continues to report them on my credit file. This is an outright failure of Experian to comply with the FCRAs mandates, particularly the obligation to ensure maximum possible accuracy and to conduct reasonable investigations during disputes. 

Accounts in Question The following accounts were removed by the creditors themselves from my XXXX and XXXX credit reports but continue to be inaccurately reported by Experian : 1. XXXX XXXX ( XXXX ) ** 2. XXXX XXXX ( XXXX ) ** 3. XXXX XXXX 4. XXXX XXXX XXXX ( Account Number : XXXX ) 5. XXXX XXXX ( Account Number : XXXX ) 6. XXXX XXXX XXXX XXXX and Experians Failures 1. Continued Reporting of Accounts Removed by Creditors ( 15 U.S.C. 1681e ( b ) ) The accounts listed above have been removed from XXXX and XXXX by the creditors after thorough investigations, as those credit reporting agencies followed proper procedures and upheld their legal obligations under the FCRA. However, Experians continued reporting of these accounts demonstrates : A failure to maintain reasonable procedures to ensure maximum possible accuracy. 
Reckless reliance on automated verification systems ( e.g., ACDV responses ) without performing a meaningful investigation into the accuracy of the information. 
Intentional negligence in updating its records, despite clear evidence that these accounts are inaccurate. 

This inconsistent reporting undermines the credibility of Experians dispute resolution process and directly harms my financial standing by artificially inflating derogatory marks on my credit file.

2. Negligence in Reinvestigation Process ( 15 U.S.C. 1681i ( a ) ) When I submitted disputes to Experian regarding these accounts, Experian performed superficial investigations that failed to meet the legal standard of a reasonable reinvestigation : Kikoff Lending Accounts : These accounts were never validated properly, and Experians failure to remove them allows creditors to continue manipulating delinquency timelines, a clear violation of federal guidelines. 
XXXX XXXX XXXX and XXXX XXXX : These accounts were removed by both XXXX and XXXX but remain reported by Experian with conflicting and inaccurate payment histories. This failure to rectify known discrepancies constitutes a willful disregard for FCRA compliance. 
XXXX XXXX : Experians investigation was concluded in a mere three to five business days, an insufficient timeframe to conduct a thorough review or communicate meaningfully with the creditor.

3. Failure to Follow Creditor Instructions ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The creditors of the listed accounts have already instructed XXXX and XXXX to remove the information from my credit file, which indicates that these accounts should no longer be reported. Experians refusal to follow the same directives violates the FCRAs requirement to delete inaccurate or unverifiable information after disputes. 

4. Pattern of Reckless Noncompliance with FCRA Experians behavior is consistent with patterns of noncompliance that have resulted in regulatory fines and lawsuits in the past. These practices include : Prolonged reporting of unverifiable or inaccurate information despite removals by other bureaus. 
Failing to investigate and resolve disputes in good faith, even after receiving direct instructions from creditors to delete accounts. 

This willful disregard for federal consumer protection laws exacerbates the financial harm caused to consumers and exposes Experian to significant legal liability under the FCRA. 



Mental and Financial Harm Experians failure to uphold its obligations under the FCRA has caused me significant mental anguish and financial damages over the past two months, including but not limited to : Mental Anguish and Emotional Distress : The ongoing reporting inaccuracies have caused me severe emotional stress, sleepless nights, and mental health strain due to the repeated frustrations of addressing these issues.

Lost Opportunities : Due to the derogatory marks on my Experian credit file, I have faced potential denials for housing, loans, and other financial opportunities.

Financial Harm : The continued reporting of inaccurate accounts artificially lowers my credit score, increasing my borrowing costs and damaging my financial reputation. 

Penalty Numbers and Damages The FCRA allows for statutory damages of up to {$1000.00} per violation and actual damages for the harm caused. In this case : Each of the six accounts being inaccurately reported constitutes a separate violation.

The ongoing reporting over a span of two months compounds the damages, as Experians refusal to act prolongs the harm caused. 
The mental anguish and financial harm entitle me to compensatory and punitive damages to reflect the severity of Experians willful noncompliance. 

Given these violations, Experian is liable for statutory damages totaling up to {$6000.00} ( or more, if each violation is compounded by duration ), in addition to actual and punitive damages for emotional distress, financial harm, and lost opportunities. 



Demands for Immediate Action To rectify these violations, I demand the following : 1. Immediate removal of the following accounts from my Experian credit report : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX Written confirmation of account removals and dispute resolutions within 10 business days of receipt of this letter.

3. Detailed records of Experians investigations into these accounts, including : Documentation submitted by the creditors to verify the accuracy of these accounts.

Records of all communications between Experian and the creditors regarding these disputes.

Evidence of Experians compliance with its procedural obligations under the FCRA. 



Notice of Escalation If Experian fails to comply with these demands, I will take the following actions without further notice : 1. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

2. Pursue legal action against Experian for : Statutory damages for each violation of the FCRA ( up to {$1000.00} per violation ).

Actual damages for the financial and emotional harm caused by Experians negligence.

Punitive damages for willful noncompliance.

3. Publicly expose Experians reckless disregard for consumer protection laws through media channels, social media advocacy, and consumer protection groups.

Experians continued failure to uphold its legal obligations under the FCRA is unacceptable. The fact that creditors have already removed these accounts from XXXX and XXXX confirms that these items are inaccurate and should not be reported on my Experian credit file. I expect Experian to take swift and decisive action to address these violations, as any further delays or negligence will result in escalated legal and regulatory consequences.