Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
I am filing this escalated complaint against [ Experian/XXXX XXXX due to their continued reporting of a fraudulent XXXX XXXX bankruptcy ( XXXX XXXX : XXXX ) on my credit report, despite my final demand letter and provision of all required documentation. The agencys disregard for federal law has caused me severe personal and financial harm, including being unfairly burdened with additional costs and high-stakes XXXX over essential life needs such as securing housing and vehicle financing. 

This ongoing, willful noncompliance with consumer protection laws is not only illegal but has directly and negatively impacted my well-being. I am notifying [ Experian/XXXX ] of my intent to seek damages in court due to the severe financial and emotional distress caused by their negligence. 

Details of Personal and Financial Hardships Due to [ ExperianXXXX ] XXXX unlawful reporting of this bankruptcy, I have suffered in the following ways : Unjust Financial Burden : I have been unfairly required to pay significantly higher down payments for car financing pre-approvals. This added expense has strained my finances, and I would not have been subject to these costs if my credit report accurately reflected my history. 

Constant XXXX  Over Application Approvals : I am facing ongoing stress over potential denials or unfavorable terms on apartment applications and other necessary credit-based applications. The erroneous bankruptcy on my report creates a high risk of application rejections and unfairly prejudices my standing with prospective landlords and creditors. 

Emotional Distress and Reputational Harm : The continued false portrayal of me as financially irresponsible has caused me significant emotional distress and social harm. This misrepresentation has not only impacted my ability to secure essential financing but has also damaged my personal and professional reputation. 

These hardships are a direct consequence of [ Experian/XXXX  ] s failure to fulfill their legal obligations and rectify the false information on my report. 

Legal Violations and Relevant Consumer Protection Laws 15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports Under this section, no consumer report should include adverse items over seven years old, or in cases of fraud, any unauthorized entries. The erroneous bankruptcy represents a derogatory mark that does not meet this criterion. Its continued reporting has led to increased financial burdens and significant stress.

15 U.S. Code 1681c2 - Block of Information Resulting from Identity Theft FCRA requires reporting agencies to block any information identified as resulting from identity theft within four business days upon receipt of a valid Identity Theft Report. Despite meeting these requirements, [ Experian/XXXX XXXX has failed to block the fraudulent bankruptcy, causing repeated harm. I demand immediate removal of this item.

15 U.S. Code 1681e - Compliance Procedures 1681e ( a ) : Reporting agencies must follow procedures to prevent violations of 1681c and ensure accuracy.

1681e ( b ) : Agencies are required to ensure maximum accuracy. XXXX has already removed the bankruptcy, confirming it as fraudulent, yet [ ExperianXXXX ] persists in reporting this false

information. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance Willful noncompliance with FCRA obligations entitles consumers to actual and punitive damages. The agencys continued disregard of my demands shows willful neglect, and I will seek at least {$1000.00} per violation and damages for financial and emotional distress in court.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance Failure to remove this fraudulent bankruptcy despite clear notification is a negligent violation of FCRA, and I will pursue damages for all financial and personal harm suffered as a result.

Privacy Rights Violations ( 15 U.S.C. 6802 - Gramm-Leach-Bliley Act ) Under GLBA, I exercised my opt-out right to prevent further sharing of this fraudulent information. The agencys disregard for my request violates my privacy rights, compounding the harm I continue to endure.

Notification of Legal Action Given the documented violations and disregard for my previous demands, I am notifying [ Experian/XXXX ] of my intent to pursue legal action under FCRA, GLBA, and related laws. I am seeking {$25000.00} in damages for financial losses, reputational damage, and emotional distress caused by their willful noncompliance, as well as an additional {$1000.00} per willful violation.

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