Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian XXXX XXXX, This letter serves as a final pre-arbitration notice and formal cease and desist demand regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ) and your continued misrepresentation of the XXXX XXXX XXXX account, which you claim to have verified despite the lack of any evidence supporting its validity. 

Experian Has Already Been Sued by the CFPB for Similar Violations Recently, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for its failure to conduct proper reinvestigations and its continued reporting of unverifiable accounts, violating consumer rights. My situation aligns with the exact violations that led to the lawsuit, proving that Experian is engaging in a pattern of willful noncompliance. 

Despite over XXXX months of disputes, you have : Failed to provide any legally required documentation, including a signed contract and chain of title. 
Stalled and refused to verify the debt with the correct creditor. 
Continued reporting misleading and inaccurate information. 
Ignored proof that the account was transferred and that the furnisher no longer owns the debt. 

If you fail to delete this account within XXXX  days, I will file an arbitration claim and initiate legal action against Experian for willful violations of federal law. 

Legal Violations Committed by Experian XXXX. Failure to Conduct a Proper Reinvestigation ( FCRA XXXX ( a ) ( XXXX ) ) Requirement : Experian is required to conduct a reasonable reinvestigation when a consumer disputes an account. 
Violation : Experian failed to provide any supporting documentation verifying the account. 
The same issue is at the center of the recent CFPB lawsuit against Experian. 
If you can not verify the debt with proper documentation, you must delete it immediately. 

XXXX. Refusal to Provide Legally Required Documentation ( FCRA XXXX ( a ) ( XXXX ) ) Requirement : Consumers have the right to receive documentation proving the validity of a reported debt. 
Violation : I have repeatedly requested the following, and Experian has failed to provide it : A signed contract proving I agreed to this debt. 
A full chain of title proving who currently owns the debt. 
Contact information for the furnisher to directly verify the account. 
If Experian can not produce this documentation, the account must be removed immediately. 

XXXX. Illegal Re-Aging of Debt to Extend the Statute of Limitations ( FCRA XXXX ( a ) ( XXXX ) ) Requirement : The Date of Last Activity can not be altered to extend the reporting period of a debt. 
Violation : Experian has modified the Date of Last Activity, making the debt appear newer than it actually is. 
This is illegal re-aging of debt, an attempt to keep the negative account on my report longer than the legally permitted time frame. 

XXXX. Continued Reporting After Other Bureaus Have Deleted the Account ( FCRA XXXX ( a ) ( XXXX ) ) Requirement : Credit bureaus must ensure accuracy and consistency across consumer reports. 
Violation : XXXX and XXXX have already deleted this account, yet Experian refuses to do the same. 
This failure to ensure consistency and fairness is a violation of federal consumer laws. 

XXXX. Misrepresentation of Debt Verification ( FDCPA XXXX ( XXXX ) ) Requirement : It is illegal to misrepresent the status or validity of a debt. 
Violation : XXXX confirmed that the account was transferred to XXXX XXXX, yet Experian still claims XXXX verified it. 
How did Experian verify the account with XXXX when XXXX no longer owns it? 

XXXX. Failure to Block or Remove Fraudulent Information ( FCRA XXXX ) Requirement : If a consumer disputes an account and provides documentation proving the information is inaccurate, the bureau must delete or block the account within XXXX business days. 
Violation : Despite my repeated disputes and clear evidence that this account is inaccurate, Experian continues to report it. 
Your refusal to remove an account that is legally unverified violates federal law. 

Final Demand for Immediate Resolution Deadline : XXXX  Days XXXX. Experian Must : Immediately delete the XXXX XXXX XXXX account from my credit report. 
Provide written confirmation of the deletion. 
Ensure the account is not reinserted in the future. 
Explain how the account was verified when the original creditor ( XXXX ) no longer owns it. 

XXXX. Cease and Desist Termination of All Communication Experian must immediately stop all communication regarding this account. 
No further collection or reporting attempts should be made. 
Any further contact will be considered harassment and will result in legal action.

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