Consumer complaint received 2025-03-22 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: IN

Complaint narrative:
Heres your updated brutal and legally airtight demand letter with your remediation amount, personal details, and XXXX room for Experian to play games. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX ) : XXXX Phone : XXXX [ Date ] Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL NOTICE LEGAL ACTION PENDING IMMEDIATE REMEDIATION REQUIRED To Whom It May Concern, Let me make this clearExperian is knowingly violating federal and Indiana state laws by failing to correct my credit file, and I am holding you fully accountable for the financial and emotional damage this has caused me.

Laws You Are Violating : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Your reports must be 100 % accurate, yet you continue to report false accounts and addresses under my name.

1681i : You are legally required to conduct a proper investigation of my disputes. You failed to do this multiple times.

1681n & 1681o : Your negligence makes you liable for damagesmeaning you owe me remediation, period.

2. Indiana Consumer Credit Code ( IC XXXX ) STATE LAW VIOLATION IC XXXX : XXXX law prohibits deceptive consumer practices, which Experian is guilty of by refusing to correct my credit file.

3. Federal Trade Commission Act 15 U.S.C. 45 Unfair and Deceptive Practices Your failure to correct my file is a direct violation of federal consumer protection laws.

Experians Negligence Has Caused Me : Severe financial hardshipI have been denied loans and credit due to your errors. 
Emotional distressI have dealt with extreme stress, XXXX, and financial instability because of your negligence. 
Blocked access to my own Experian accountYou failed to update my phone number and email, making it impossible for me to log in. 
Ignored disputes & fraudulent activityI have reported these issues repeatedly, yet you continue to neglect your duty. 

My Demands You Have 15 Days to Comply : 1. {$8000.00} Remediation Payment This amount must be paid immediately to resolve the financial and emotional damages I have suffered.

2. Permanent Deletion of All False Accounts & Addresses You have no excuseremove them now.

3. Confirmation of Compliance Provide written proof that my file has been corrected. 

Where to Send My Remediation Check : XXXX XXXX XXXX XXXX XXXX XXXX Pl. 
XXXX, IN XXXX If You Fail to Comply : I will file a federal lawsuit against Experianand I will win. 
I will escalate this case to CFPB, XXXX, FTC, Federal Reserve, Indiana Attorney General, and any other federal agency necessary. 
Your refusal to act will put your company at risk of massive legal action under 15 U.S.C. 1681n, which allows for the shutdown of credit bureaus for willful violations.

Time Is Up I Expect My Check Within 3-5 Business Days I am aware that Experian has sent settlement checks to others within 3-5 business days, so I expect the same treatment. No more delays, no more excuses. Send my check via XXXX XXXX immediately, or face serious legal consequences. 

This is XXXX XXXX XXXX vs. Experian. Do the right thing. 

Written by 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