Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Formal Complaint and Demand for XXXX XXXX XXXX TO : Experian Information Solutions , Inc . 
RE : Formal Complaint, Demand for Settlement and Recompense for Willful Noncompliance, Civil and Constitutional Rights Violations FROM : XXXX XXXX XXXX DATE : [ Insert Todays Date ] I. SUMMARY OF CLAIM This letter constitutes a formal and final demand for immediate correction, settlement, and recompense regarding Experians willful, malicious, and systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and corresponding breaches of my civil and constitutional rights. To date, I have submitted over eighty-four ( 84 ) formal complaints via the Consumer Financial Protection Bureau ( CFPB ) against Experian, each outlining patterns of willful noncompliance, misreporting, and retaliatory conduct in response to my federally protected dispute rights. 

Despite my good faith efforts and substantial documentation provided over the course of XXXX ( XXXX ) months, Experian has willfully refused to comply with its statutory obligations, resulting in material financial harm and reputational injury. 

II. GROUNDS FOR THIS COMPLAINT 1. Failure to Perform a Reasonable Reinvestigation In direct violation of 15 U.S.C. 1681i, Experian has failed to conduct reasonable reinvestigations of disputed information, including unauthorized address entries and the fraudulent XXXX tradeline. 

2. Refusal to Process Disputes by Authorized Legal Representative Experians refusal to accept disputes submitted by my legal representativedespite valid identity documentationis a clear violation of 15 U.S.C. 1681b and constitutes obstruction of my legal rights.

3. Fraudulent Alteration and Misrepresentation of Personal Identifiable Information ( PII ) Experian has fraudulently reported XXXX XXXX Market XXXX location with which I have never been affiliatedas my current address, while removing my actual and verified address : XXXX XXXX XXXX XXXX Unit XXXX, XXXX, GA XXXX. My disputes regarding XXXX XXXX XXXX and other invalid addresses have also been ignored. 

4. Manipulation and Removal of My Fraud Alert Experian removed or replaced my initial fraud alert, authorized in XXXX of last year, in bad faith following my formal disputes and CFPB complaints demanding a Method of Verification ( MOV ) for the XXXX tradeline. Experian contradictorily cited fraud to evade response while removing the fraud alert, evidencing obstruction. 

XXXX. Continued False Reporting of the XXXX Tradeline Despite numerous disputes and requests for validation, Experian continues to report the XXXX tradeline as verified, without legally sufficient MOV and while providing knowingly false responses to the CFPB. 

XXXX. DEMAND FOR REVIEW AND INVESTIGATION - Full supervisory review of all XXXX CFPB complaints submitted by me against Experian XXXX Disclosure of all internal Experian communications and phone recordings regarding these disputes - Investigation into Experians removal of my fraud alert and handling of the XXXX XXXX XXXX. HARM AND DAMAGES As a direct and proximate result of Experians XXXX, I have suffered : - Repeated denial of credit due to unverifiable identity information - Inability to apply for credit online ; forced in-person applications were also denied - Emotional distress, reputational damage, and lost commercial opportunities V. DEMAND FOR RELIEF AND SETTLEMENT I demand : XXXX. Deletion of unauthorized addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others XXXX. Reinstatement of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. Correction of name to only XXXX XXXX XXXX XXXX. Deletion of the XXXX tradeline due to failure to verify under XXXX XXXX. XXXX XXXX. Production of records and internal notes XXXX. Financial settlement in the XXXX to XXXX figure range for damages and statutory relief under XXXX, XXXX VI. NOTICE OF LEGAL INTENT This serves as formal legal notice. If the above demands are not fully met within XXXX ( XXXX ) business days, I will initiate civil litigation in federal court and escalate matters to the XXXX XXXX division, FTC, and DOJ. 

* * Notice to agent is notice to principal. Notice to principal is notice to agent. * *

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