Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Turn XXXX, LA XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Pre-Litigation Notice {$200000.00} Claim for Violations of the FCRA, FDCPA, and FTC XXXX Accounts in Question : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Bank Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University Collection To Whom It XXXX Concern : This complaint is being filed in response to Experians continued, willful violations of the Fair Credit Reporting Act ( FCRA ), Federal Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission XXXX ( FTC XXXX ). This is your final notice before imminent legal action and formal regulatory escalation. 



XXXX XXXX Lending LLC Fraudulent & Inconsistent Reporting Experian continues to report a XXXX XXXX XXXX account opened in XX/XX/XXXX, even after : XXXX and XXXX both permanently removed the account due to disputes and failure of verification. 
The account reflects inaccurate payment history, manipulated balances, and lacks proper consumer authorization. 
No lawful XXXX reinvestigation has been conducted. 

FACT : XXXX decision to continue reporting data already removed by both competing CRAs proves willful noncompliance. This violates FCRA 1681e ( b ) and 1681s-2 ( b ). 

STATUTORY DAMAGES : At $ XXXX, Experian is XXXX for {$24000.00} minimum for this XXXX account alone. 



XXXX. XXXX Bank Account Previously Deleted, Now Fraudulently Reinserted Experian is also reporting a XXXX Bank credit card ( Opened XX/XX/XXXX ) that has already been removed by XXXX and XXXX due to dispute findings. 
No Section 611 ( a ) ( 5 ) ( B ) notice of reinsertion was provided. 
No new information was submitted that would justify its reappearance. 
This constitutes unauthorized reinsertion and a direct violation of FCRA XXXX. 

STATUTORY DAMAGES : {$24000.00} estimated ( XXXX years of unlawful reporting ). 



XXXX. XXXX XXXX XXXX XXXX Deceptive Collection Activity This collection account, appearing on my Experian report, reflects : No supporting documentation, validation, or ownership chain. 
Inconsistent reporting across credit bureaus. 
Likely fictitious or unverifiable, yet Experian continues to publish the derogatory item.

Violation of FCRA 1681s-2 ( b ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ). 



IV. XXXX XXXX XXXX XXXX University XXXX This {$200.00} collection item was assigned XX/XX/XXXX with no documented ownership or legal standing. 
No Forward Flow Agreement, Purchase Agreement, or Debt Validation provided. 
Reporting this account without legal authority is extortionate collection behavior in violation of 18 U.S.C. 894. 



V. Pattern of Sham Investigations Experian Is Under Federal Scrutiny Experian is already under CFPB XXXX for conducting fabricated reinvestigations and failing to properly verify accounts. In this case : No verification or reinvestigation data has been provided despite multiple disputes. 
Continued publication of inaccurate, unverifiable accounts is fraudulent and malicious. 
The pattern suggests intentional abuse of automated dispute systems ( e-OSCAR ) to suppress consumer rights. 



VI. TOTAL DAMAGES AND CLAIMS FCRA Penalties ( XXXX accounts x XXXX months ) : {$96000.00} FDCPA Penalties : {$25000.00} Punitive Damages for Emotional Distress, Lost Credit Access, Malice : {$79000.00} TOTAL ESTIMATED DAMAGES : $ XXXX XXXX. DEMAND FOR IMMEDIATE RESOLUTION You are hereby ordered to : XXXX. Permanently delete all of the following : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX University XXXX. Provide full disclosure of all : XXXX communications XXXX dispute results XXXX investigation notes Reinsertion notices ( if applicable ) XXXX. Deliver written confirmation of deletion within XXXX business days, under FCRA 1681i ( a ) ( 5 ) ( B ). 



XXXX. FINAL NOTICE LAWSUIT PENDING If I do not receive full compliance within 10 days, I will file suit in XXXX XXXX XXXX and pursue : Actual & statutory damages Legal fees Permanent injunctive relief Formal complaints with the FTC, CFPB, and the Louisiana Attorney General Your continued misconduct, data manipulation, and denial of consumer protections will be exposed in court. 

Sincerely, XXXX XXXX XXXX English Turn XXXX, LA XXXX

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