Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
RE : FINAL DEMAND FOR PERMANENT DELETION UNDER 15 USC 1681c-2 IDENTITY THEFT BLOCK & METRO 2 VIOLATIONS ACCOUNTS : XXXX error XXXX days late {$2000.00} XXXX error XXXX days late {$1800.00} XXXX error XXXX days late {$190.00} XXXX XXXX XXXX Balance {$1200.00} To Whom It May Concern : Let me be absolutely clear : This letter serves as final notice to delete the above- referenced accounts pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX compliance protocol, and binding federal statute.You are now in XXXX of a formal identity theft dispute under XXXX XXXX 1681c-2. I have identified the above tradelines as fraudulent and/or inaccurately reported and have provided proof of identity, sworn affidavit, and formal dispute documentation. These accounts are either : 1. The result of identity theft, 2. Based on unverifiable information, 3. In clear violation of Metro 2 data reporting protocols, and 4. Reinserted or maintained without lawful verification in violation of 15 USC 1681i.

THE LAW IS NOT OPTIONAL Under 15 USC 1681c-2 ( a ), you are legally obligated to block this information within XXXX business days of receiving : Proof of identity Specific identification of the disputed items Statement affirming the data was not authorized You now have all 3. Any continued reporting after this date constitutes willful noncompliance and will be met with legal action INVESTIGATION? XXXX HAD ENOUGH TIME. 
The statement Dispute resolved subscriber disagrees is not proof of reinvestigation. Under 15 USC 1681i, failure to fully investigate, verify, or delete unverifiable information within 30 days is grounds for civil damages under 1681n and 1681o. Furthermore, under 1681i ( 5 ) ( A ), any item that can not be verified must be immediately deleted. Since your so-called investigation yielded no verifiable records, the continued presence of this derogatory data is unlawful. 
XXXX XXXX COMPLIANCE VIOLATIONS ( Youve Been Caught ) I have reviewed the technical data fields of these accounts and discovered blatant noncompliance with XXXX XXXX reporting standards : No proper Compliance Condition Codes ( e.g., XB during active dispute ) Misreporting of open XXXX closed status Absence of XXXX codes Reinserted data without 1681i ( 5 ) ( B ) ( i ) certification Improper payment history post-charge-off You are now liable under the XXXX XXXX XXXX XXXX mandatory framework and federal law. 
WHAT YOU ARE REQUIRED TO DO : 1. Permanently DELETE the above-mentioned accounts across all platforms, including XXXX, XXXX, XXXX  and internal databases 2. Provide an updated credit report within XXXX business days XXXX. Cease and desist further reporting of any information tied to these tradelines XXXX. Maintain proof of compliance as required by FCRA 1681i ( d ) LEGAL CONSEQUENCES IF YOU FAIL TO COMPLY : I will immediately initiate : Complaint filings with the CFPB, FTC, Texas Attorney General, and BBB A federal lawsuit seeking : {$1000.00} per violation ( 15 USC 1681n ) Emotional and financial damages Punitive damages for willful noncompliance Legal fees and court costs I will also move to notify class-action law firms and journalists regarding your failure to comply with federal law in identity theft cases. 
Plaintiff v. 
EXPERIAN INFORMATION SOLUTIONS , INC . 
EQUIFAX XXXX XXXX, XXXX TRANSUNION XXXX, Defendants PLAINTIFFS ORIGINAL PETITION FOR DAMAGES UNDER FCRA & TEXAS XXXX TO THE HONORABLE JUDGE OF SAID COURT : COMES NOW, Plaintiff in the above-styled and numbered cause, and files this Original Petition against the above-named Defendants under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Texas Deceptive Trade Practices Act ( Tex.

Bus. & Com. Code 17.46 ), and applicable identity theft protections, and in support thereof would respectfully show the XXXX as follows : I. PARTIES 1. Plaintiff is a natural person residing at, and is a consumer as defined under 15 U.S.C. 1681a ( c ).

2. Defendant Experian Information Solutions XXXX XXXX XXXX be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXX. Defendant XXXX  XXXX XXXX, XXXX XXXX be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
XXXX. Defendant XXXX  XXXX XXXX be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
XXXX. JURISDICTION AND VENUE XXXX. This Court has jurisdiction under Texas Government XXXX XXXX and venue is proper in XXXX XXXX as the unlawful acts caused financial and emotional damages to Plaintiff within XXXX XXXX. 
XXXX. Plaintiff seeks damages in the amount of {$10000.00} or less, exclusive of costs, within the jurisdictional limits of this XXXX. 
XXXX. FACTS XXXX. Defendants willfully and/or negligently reported fraudulent and inaccurate information on Plaintiffs consumer credit report, specifically : XXXX. Despite repeated notices, affidavits, and dispute filings, Defendants have refused to delete the erroneous data or conduct a reasonable reinvestigation under 1681i, and have instead issued template verified responses without lawful basis. 
XXXX. Defendants failed to use proper XXXX XXXX compliance coding ( including " XXXX '' ), failed to verify the data with original furnishers, and ignored Plaintiffs formal identity theft reporta direct violation of federal law. 
XXXX. Plaintiff has suffered financial harm, denial of credit, emotional distress, and reputational damage as a result of Defendants willful indifference and unlawful conduct.

IV. CAUSES OF ACTION A. Violation of FCRA 15 U.S.C. 1681i, 1681c-2, 1681n, 1681o 11. Defendants violated Plaintiffs rights under FCRA by : Failing to block identity theft data within 4 days per 1681c-2 ; Failing to conduct a proper reinvestigation per 1681i ; Reporting and re-reporting unverifiable information ; Willfully and negligently breaching duties under 1681n and 1681o.

B. Texas DTPA Violation XXXX. XXXX. & XXXX. Code XXXX ( b ) XXXX. Defendants engaged in deceptive trade practices by misrepresenting the nature and status of the accounts on Plaintiffs report and misrepresenting the results of the dispute process. 
V. DAMAGES REQUESTED Plaintiff seeks the following relief : Statutory damages of {$1000.00} per violation Actual damages for financial loss and emotional distress Punitive damages for willful violations XXXX costs and filing fees Any other relief the XXXX deems just and proper VI. PRAYER WHEREFORE, PREMISES CONSIDERED, Plaintiff prays that Defendants be cited to appear and answer herein and that upon final hearing, Plaintiff be awarded judgment against Defendants for actual damages, statutory damages, punitive damages, costs of court, and all other relief in law or equity. 
Respectfully submitted,

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