Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX FORMAL DEMAND FOR REMOVAL, SUPPRESSION OF UNLAWFUL ACCOUNT, AND REFERRAL FOR CRIMINAL PROSECUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX : XXXX Department XXXX XXXX XXXX XXXX, TX XXXX FORMAL DEMAND FOR REMOVAL, IMMEDIATE SUPPRESSION OF UNLAWFUL ACCOUNT, AND REFERRAL FOR CRIMINAL PROSECUTION Experian, This formal legal notice serves as a final demand for the immediate suppression and permanent removal of fraudulent accounts unlawfully reinserted into my credit file under Report Number XXXX. 
Your agency has knowingly and willfully violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Identity Theft Laws, and Federal Securities Laws, directly contributing to financial fraud, identity theft, housing denials, and obstruction of a federal investigation. 
Additionally, Experian has failed to comply with 15 U.S.C. 1681c-2 ( FCRA 605B ), which mandates that identity theft-related accounts must be blocked within four ( 4 ) business days upon receiving appropriate documentation.

Due to your reckless and unlawful actions, I have been forced to request a new Social Security Number ( SSN ) from the Social Security Administration ( SSA ) a drastic measure underscoring the severity of the financial fraud being committed against me. 
OFFICIAL SSA CONFIRMATION SSA Appointment Confirmation XX/XX/XXXX ( XXXX ) Pending SSA/OIG Investigation into Fraudulent Use of SSN Your failure to act immediately will result in a formal referral for criminal prosecution of the CEO, CFO, corporate attorney, and in-house counsel for aiding and abetting financial fraud, identity theft, and obstruction of justice. 

REFERRAL FOR CRIMINAL PROSECUTION OF EXPERIAN EXECUTIVES & LEGAL COUNSEL Your knowing participation in fraud and willful noncompliance with federal laws warrants criminal prosecution under multiple statutes, including : 18 U.S.C. 1028 Identity Theft & Fraudulent Use of ID Documents 18 U.S.C. 1344 Bank Fraud 18 U.S.C. 1014 False Statements to Financial Institutions 15 U.S.C. 1681q Willful Noncompliance by a Credit Reporting Agency 18 U.S.C. 371 Conspiracy to Commit Fraud The following Experian executives and legal representatives are being referred to the U.S. Department of Justice ( DOJ ), Consumer Financial Protection Bureau ( CFPB ), and the Securities and Exchange Commission ( SEC ) for immediate investigation and prosecution : XXXX. XXXX XXXX XXXX of Experian XXXX XXXX XXXX. XXXX XXXX XXXX of Experian XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Experian In-House Legal Counsel ( to be identified in DOJ subpoena ) Failure to take immediate corrective action will result in an official complaint being filed with the DOJ, CFPB, FTC, SEC, SSA-OIG, and the U.S. Treasury Departments Financial Crimes XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX SECURITIZATION FRAUD XXXX XXXX DISPUTE Your agency has fraudulently reinserted a XXXX Card account ( Acct # XXXX ) into my credit file, despite documented fraud and dispute resolutions in my favor. This account is tied to XXXX XXXX XXXX XXXX and part of a larger securitization fraud scheme, which includes : Unlawful reissuance of charged-off debts in securitization pools. 
Falsification of account records to conceal ownership. 
Violations of the Securities Exchange Act of XXXX for failure to disclose material risks. 
Use of credit bureau reports to facilitate fraudulent collections on unenforceable debts. 
As such, Experian has directly participated in financial fraud, making this agency complicit in criminal activity. 

DEMAND FOR FULL VERIFICATION & FORENSIC ACCOUNTING Money Net Daily Log Transaction Report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Call Report ( line XXXX owed to me ) XXXX XXXX Line XXXX identical to XXXX ) Collateral Cash Deposit Account to offset or set off the balance XXXX & XXXX Prospectus XXXX # for the account S-3/A Registration Statement Verification of Deposit Certificate Failure to provide this documentation will result in immediate DOJ referral under : 18 U.S.C . 1344 Bank Fraud 18 U.S.C. 1014 False Statements to Financial Institutions 15 U.S.C. 1681q Willful Noncompliance by a Credit Reporting Agency VIOLATIONS OF FEDERAL LAW 1. Violation of 15 U.S.C. 1681c-2 ( FCRA 605B ) Identity Theft Protections You have failed to block fraudulent accounts within four ( 4 ) business days of receiving valid identity theft documentation.

You have continued reporting fraudulent accounts, causing financial harm.

2. Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Unlawful Reinsertion of Charged-Off Debts You reinserted a previously charged-off XXXX XXXX account without legal basis. 
3. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to Notify Consumer of Reinsertion The law requires written notification if previously deleted information is reinserted. 
I never received such notice, making this reinsertion unlawful. 
4. Violation of 15 U.S.C. 1681s-2 ( b ) Furnishers Duty to Investigate XXXX XXXX XXXX conduct a meaningful, detailed reinvestigation and can not rely on automated systems like XXXX. 
In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that mere electronic verification is insufficient under the FCRA. 

IMMEDIATE DEMANDS 1. IMMEDIATE SUPPRESSION OF THIS ACCOUNT DURING REVIEW Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), this account must be suppressed during reinvestigation.

2. PERMANENT SUPPRESSION UNLESS EXTREME DOCUMENTATION IS PROVIDED Before any reinsertion, the following must be provided : Complete Investigation Log Chain-of-Custody Documentation Internal Communications & Investigation Notes Full Call Logs , Audio Recordings , and Transcripts Legally Sworn Affidavit from a Corporate Officer NOTICE OF LEGAL CONSEQUENCES FOR NONCOMPLIANCE If my demands are not fully met within 3 days, I will take immediate legal action, including : Filing formal complaints with the CFPB, FTC, SSA-OIG, SEC, XXXX, and U.S. Attorney General .

Initiating a lawsuit under 15 U.S.C. 1681n & 1681o, seeking : Statutory damages of {$1000.00} per violation. 
Punitive damages. 
Full reimbursement of legal fees and court costs.

Demanding a DOJ investigation into Experians executives and legal counsel.

FINAL WARNING : COMPLY OR FACE LEGAL ACTION Written acknowledgment within five ( 5 ) business days.

Full resolution within fifteen ( 7 ) calendar days. 
THIS IS YOUR FINAL OPPORTUNITY TO AVOID CRIMINAL PROSECUTION. 
Sincerely, XXXX 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