Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
Final Notice Formal Demand for Deletion of Fraudulent Accounts and Inquiries Under FCRA XXXX & XXXX To Whom It XXXX Concern : This serves as a final notice and formal demand under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts, unauthorized inquiries, and unverified negative entries Experian continues to report on my credit file. 

Despite my prior disputes and submission of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Experian has failed to take corrective action or provide legally required documentation to verify the accuracy of these items. 

According to the credit report Experian provided to XXXX on or around XX/XX/XXXX, my XXXX XXXX has been unfairly reduced to XXXX, in large part due to false or unverified information you continue to furnish. This includes : Fraudulent or Unverified Negative Account ( XXXX ) : XXXX Revolving Charge Account Balance : {$0.00} Opened : XX/XX/XXXX Reported as Open Achieve Personal Loans XXXX XXXX XXXX XXXX XXXX No supporting contract, application, or signature has been produced. 

Unauthorized XXXX Inquiries : Experian has also failed to remove multiple unauthorized or fraudulent XXXX  inquiries that were not initiated or authorized by me. These XXXX  pulls were not tied to any legitimate business purpose or permissible purpose under FCRA XXXX. 

I have requested verification of the following : Identity of each entity that performed a XXXX  inquiry XXXX of permissible purpose and signed application or authorization Date and purpose of inquiry To date, none of this information has been provided. 

LEGAL VIOLATIONS AND HARM : Your failure to delete, correct, or verify the above information violates : FCRA XXXX Failure to conduct reasonable reinvestigation FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX Unauthorized inquiries without permissible purpose FCRA XXXX and XXXX Willful and negligent noncompliance These violations are causing ongoing harm, including credit denials, increased interest rates, reputational damage, and financial stress. 

DEMAND FOR ACTION : I hereby demand the following : Immediate removal of the XXXX account and any other unverified or false tradelines. 

Deletion of all unauthorized XXXX  inquiries for which Experian has no proof of permissible purpose. 

Written confirmation within XXXX calendar days of receipt of this letter. 

Full documentation that you relied on to verify each of these items ( including account applications, inquiry authorizations, and payment records ). 

If this matter is not resolved within XXXX calendar days, I will pursue all available remedies including : Additional complaints to the CFPB, FTC, and State Attorney General Filing a civil lawsuit for damages under FCRA XXXX Requesting injunctive relief, attorneys fees, and punitive damages This letter is my final good faith attempt to resolve this matter amicably. You are now on notice.

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