Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Final Legal Notice : Immediate Removal of Illegally Reported Accounts To Whom It May Concern, This letter constitutes my final notice of intent to initiate legal action against EXPERIAN, XXXX AND XXXX for the illegal and inaccurate reporting of accounts on my credit report, in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other federal laws designed to protect consumers from erroneous credit reporting practices. I have repeatedly disputed the false, outdated, and unverifiable information you continue to report, which includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite your legal obligation under the FCRA to investigate and correct inaccurate information, you have failed to do so. I want to make it abundantly clear that your continued non-compliance with the following federal laws will result in swift legal action : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 2. 15 U.S.C. 1681i : Failure to conduct a reasonable investigation of disputed information within the required time period ( 30 days ), and failure to delete or correct the information found to be inaccurate or unverifiable. 3. 15 U.S.C. 1681c ( a ) ( 5 ) : Reporting of obsolete information such as accounts more than seven years old or bankruptcy filings more than 10 years old. 4. 15 U.S.C. 1681c-2 : Failure to block fraudulent information resulting from identity theft, upon receipt of a police report or similar documentation. 5. 15 U.S.C. 1681s-2 ( b ) : Your duty to promptly update and correct information provided by furnishers of information after notification of a dispute. Your failure to act on these violations has caused irreparable harm to my financial standing, mental well-being, and reputation. I have suffered : Significant financial damage, including denial of credit opportunities, inflated interest rates, and loss of access to essential financial resources. Severe emotional distress, including stress, anxiety, and reputational damage, all as a direct result of your failure to meet your legal obligations. DEMAND FOR IMMEDIATE ACTION : 1. Immediate removal of all inaccurate, unverifiable, and fraudulent accounts from my credit report, as listed above. 2. Written confirmation of the deletion or correction of these items within 7 days of receipt of this letter. 3. Full compliance with 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that any deleted or corrected information must be forwarded to all creditors and other third parties who have accessed my report within the past six months ( or two years for employment purposes ). If you fail to take corrective action within the stated period, I will file a lawsuit against your organization for violating multiple sections of the FCRA. Under 15 U.S.C. 1681n, I am entitled to : Actual damages for financial loss and emotional distress ; Statutory damages of up to {$1000.00} per violation ; Punitive damages for willful violations of federal law ; Attorneys fees and court costs. Further, your continued negligence may prompt me to seek additional legal remedies under 15 U.S.C. 1692, the Fair Debt Collection Practices Act ( FDCPA ), if third-party debt collectors are involved in the erroneous reporting of accounts that are inaccurate or not legally enforceable. Additionally, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and notify state authorities to conduct further investigation into your non-compliance with federal law. PRESERVATION OF EVIDENCE : Be advised that you are required to preserve all records related to my disputes, including any communication with furnishers of information, as they will be subject to discovery if this matter proceeds to court. This is your final warning. Failure to comply with my demands within 7 days will result in immediate legal action. The consequences of your continued negligence will be severe and unavoidable. I strongly suggest you take this notice seriously and act accordingly. Sincerely, XXXX XXXX