Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
Re : NOTICE OF INTENT TO SUE Willful & Negligent Violations of the Fair Credit Reporting Act ( FCRA ) This letter serves as formal notice of my intent to pursue legal action against Experian, Equifax, and TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX was paid in full, never late, and closed in XX/XX/year>. Despite this, the account has been wrongfully removed from my credit reports. I have submitted multiple disputes, direct requests, and CFPB complaints, all of which have been ignored. Additionally, Experian has unlawfully blocked me from accessing my account and filing disputes, violating FCRA 609 and 611. This is not an isolated mistake but a pattern of intentional and direct targeting, designed to cause severe and irreparable harm. Despite maintaining a XXXX credit history with excellent payment performance, my positive tradelines have been erased, leaving my credit profile incomplete and injurious. As a result of your actions, I have suffered irreparable harm, including but not limited to : - Inability to secure stable housing for myself and my XXXX children. - Loss of employment opportunities and income. - Denial of access to basic needs and financial resources. - Severe emotional distress, compounded trauma, and ongoing stress. - Deterioration of my health conditions, leading to a XXXX XXXX in XXXX. - Compounded trauma as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These harms have been compounded by years of wasted time and lost work spent attempting to correct my reports, leaving me closer to my grave while the credit bureaus profit from their misconduct. Your conduct constitutes willful and negligent noncompliance with FCRA 602, 607 ( b ), 609, 611, 616, 617, and 623. Under 616617, you are liable for actual, statutory, and punitive damages. I hereby DEMAND : 1. Immediate reinstatement of all positive tradelines wrongfully removed, including the XXXX XXXX XXXX account. 2. Restoration of my lawful access to my Experian file and dispute rights. 3. Written confirmation of compliance within fifteen ( 15 ) days of receipt of this letter. 4.

Monetary damages in the amount of {>= $1,000,000}, encompassing actual, statutory, and punitive damages.

Failure to comply will result in immediate filing of a lawsuit in federal court without further notice. I reserve all common law and constitutional rights. 
Respectfully, XXXX XXXX XXXX XXXX woman beneficiary, not the ALL CAPS corporate entity XXXX XXXX XXXX nor any derivative thereof, and not surety

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