Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent this email and attached evidence to Experian. 
I am writing to provide final legal notice of my intent to file a civil lawsuit against Experian for defamation, willful violation of the Fair Credit Reporting Act ( FCRA ), and negligent misrepresentation, unless you immediately and permanently delete the false employment information submitted by XXXX from your Employment Verification services. 

Experian is knowingly publishing a false statement claiming that I was terminated by XXXX for falsification of employment documents and company records. That is unequivocally false, defamatory, and damaging. 

The Truth : In 2023, XXXX  own XXXX department, confirming the validity of my Form I-9 documents, including my Permanent Resident Card. 

Since you have presented a Permanent Resident Card, no reverification will be needed in the future.Before my EMPLOYMENT AUTHORIZATION card expired that I submitted to XXXX during hiring process. 

Email from XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX, XXXX ( XXXX ) and another staff if this department i sent evidence that I uploaded my XXXX XXXX  before Work authorization expired. 
, I received written confirmation from the Social Security Administration ( SSA ) and it stated my social was valid I never falsified any documents and never had access to XXXX  internal records in my entire 22 months of employment. 

XXXX themselves attempted to avoid liability by offering me a voluntary resignation in lieu of termination, tied to a settlement draft that required me to : Drop my EEOC and OSHA complaints ; Never sue XXXX or its staff ; Accept voluntary termination without any misconduct finding. 

I refused those terms because they were coercive and based on false claims. If I truly falsified records, why would XXXX seek to shield themselves from litigation? 

The Texas XXXX XXXX ( XXXX ) ruled that my separation was not due to misconduct, further discrediting XXXX  false claims. 

In addition, I have retained : Voice recordings. 

XXXX XXXX correspondence ; Full copies of Experians reports showing the defamatory entries submitted by XXXX. 



All of these prove that Experian is publishing materially false information that has resulted in severe reputational and professional harm. 



DEMAND FOR CORRECTION : Under FCRA 1681i, Experian is legally obligated to investigate and correct or delete inaccurate information after a dispute. You have failed to do so despite my earlier dispute and evidence submissions. I now demand that Experian : Permanently remove all false employer information submitted by XXXX ; Send me written confirmation of the removal and update ; Issue a formal correction or apology for the ongoing publication of false data.

If you fail to act within 10 business days, I will proceed with a civil suit in state and/or federal court seeking damages for : Defamation and reputational harm ; Lost employment opportunities ; Willful noncompliance with FCRA ; Emotional XXXXs and financial losses. 

I will also file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Texas Attorney General. 

This is your final opportunity to remedy this unlawful and harmful situation without the involvement of the courts. 

Attached are copies of XXXX draft settlement, and other evidences. 
Experian had not acknowledged the email nor responded.

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