Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My Complaint is to formally notify these credit reporting agencies of its failure to comply with federal laws governing credit reporting practices, specifically under 15 U.S.C. XXXX, 15 U.S.C. XXXX, 15 U.S.C. XXXX, and XXXX XXXX. XXXX. These statutes clearly outline the obligations of credit reporting agencies in ensuring accurate and lawful reporting of consumer credit information, as well as identity theft protections. 
No matter what I do to have you correct these mistakes you refuse. 

And So Pursuant to 15 U.S.C. XXXX and 15 U.S.C. XXXX, credit reporting agencies are required to take appropriate steps to verify and notify consumers when new information is reported to their credit file. To date, I have not received any notification or direct verification call from Equifax, Experian, Trans Union or XXXX XXXX regarding any entity that has reported to my credit file. This failure to notify me constitutes a direct violation of these statutes and compromises the integrity of my consumer credit report. 
Additionally, under 15 U.S.C. XXXXq, any person or entity that knowingly and willfully obtains or discloses consumer report information under false pretenses is in violation of federal law. Equifaxs, Experian, Trans Union or XXXX failure to ensure that entities reporting information to my credit file are doing so lawfully places you in direct violation of this statute. Furthermore, under XXXX XXXX. XXXX, the unauthorized use or mishandling of identity information is a federal crime, and by failing to verify identity-related entries on my credit report, Equifax Experian , TransUnion or XXXX XXXX XXXX complicit in allowing identity theft to occur. 

Moreover, there exists a provision under federal law for willful noncompliance, which holds entities accountable for knowingly failing to adhere to legal standards. This may expose Equifax, Experian, TransUnion or XXXX to legal liability, including statutory damages, punitive damages, and other legal remedies. 
Given the above violations, I formally demand the following : XXXX. Immediate investigation and removal of any unauthorized or improperly verified entries on my credit report. 
XXXX. Written confirmation of all entities that have reported to my credit file and proof of the verification measures taken. 
XXXX. Implementation of proper consumer notification practices in compliance with federal law. 
XXXX. A written statement confirming that Equifax, Experian, TransUnion or XXXX will adhere to all applicable laws moving forward. 
XXXX. For each Account on my report, I request settlement of {$25000.00} for your egregious and fraudulent practices. For me requesting an investigation and removal on all these accounts and you refusing, knowing you had no lawful right. there also needs to be a {$2000.00} settlement for each inquiry that i never authorized ever .... 

If these demands are not met promptly, I will escalate this matter to the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under federal law.

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