Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
XXXX Formal Dispute, Demand for Immediate Account Deletion, Blocking, and Compensation for Violations To Whom It May Concern, After receiving an email stating that these accounts were blocked from my credit report, I am formally disputing Experian 's failure to uphold its obligation to block and delete specific accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite disputing these accounts more than eight times, they remain on my credit report, violating multiple consumer protection laws. I am demanding the immediate deletion of these accounts and seeking monetary damages of {$10000.00} for noncompliance and willful neglect of consumer rights. 

Accounts in Dispute : XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Consumer Protection Violations : Your agencies continued reporting of these accounts despite my repeated disputes violates several key provisions of the FCRA : 15 U.S.C. 1681c-2 Requires the blocking of information resulting from identity theft and prohibits the reappearance of such information once blocked.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681s-2 ( a ) ( 6 ) Prohibits the re-reporting of fraudulent accounts once they have been removed.

15 U.S.C. 1681s-2 ( b ) Requires furnishers to conduct an investigation and report accurate results within 30 days.

15 U.S.C. 1681n & 1681o Provide for statutory and punitive damages in cases of willful and negligent noncompliance.

Repeated Dispute History & CFPB Complaint Numbers : These accounts have been disputed multiple times, and I have also filed complaints with the Consumer Financial Protection Bureau ( CFPB ). Below are the complaint numbers and dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Despite these repeated disputes and complaints, your agencies failed to remove these accounts after receiving an email on XXXX stating that the accounts are BLOCKED, demonstrating willful negligence and noncompliance with federal law. 

Demand for Immediate Action : Permanent deletion and blocking of all disputed accounts from my credit report and written confirmation of their removal.

Monetary damages of {$10000.00} for willful noncompliance with the FCRA.

Cease and desist from further reporting of these accounts, as they have been demonstrated to be invalid and unverifiable. 

Failure to comply within five ( 5 ) days of receipt of this letter will result in legal action under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees.

I expect Experian, to take immediate corrective action to avoid further liability. Please provide written confirmation that the accounts have been permanently deleted and that my demand for damages has been addressed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 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