Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : This letter serves as a formal Notice of Willful Non-Compliance pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian has continued to report inaccurate information on my consumer file despite prior disputes, documentation, and requests for reinvestigation. Your continued reporting constitutes a knowing and intentional disregard of your statutory duties. 

I previously submitted disputes regarding the following item ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite supplying clear evidence demonstrating the inaccuracy of this information, Experian failed to correct or delete it, and continues to publish and furnish false data regarding me.

Violations & Legal Basis 1. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) The FCRA mandates that a CRA must conduct a reasonable reinvestigation once a consumer disputes an item. Experians failure to correct the disputed information after receiving supporting documentation constitutes a violation. 

Case Law : XXXX v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) The court held that a CRA must do more than merely parrot information from the furnisher and must perform an independent, reasonable investigation. 

XXXX v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX. XXXX ) Established that a superficial reinvestigation that ignores consumer-provided evidence is insufficient under the FCRA.

2. Willful Non-Compliance 15 U.S.C. 1681n Experians continued reporting of inaccurate information after receiving disputes and proof constitutes reckless disregard, meeting the legal standard for willfulness. 

Case Law : Safeco Insurance Co. of America vXXXX XXXX, 551 U.S. 47 ( XXXX ) The Supreme Court confirmed that reckless disregard of FCRA obligations qualifies as willful non-compliance. 

XXXX v. Capital Associated Indus., Inc. , 257 F.3d 409 XXXX XXXX XXXX XXXXXXXX ) Holding that ignoring obvious inaccuracies can constitute willful violations.

3. Continued Reporting of Known Inaccurate Information 15 U.S.C. 1681e ( b ) CRAs must maintain reasonable procedures to ensure maximum possible accuracy. Continuing to publish information you have been notified is false is a clear statutory violation. 
Demand for Immediate Action I demand that Experian : Delete the disputed account ( s ) immediately, in accordance with the FCRA ; Provide me with an updated copy of my consumer file ; and Provide a description of the procedures used in your reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

If Experian continues to knowingly and willfully report inaccurate information, I will pursue all available remedies, including : Filing complaints with the CFPB, FTC, and my state Attorney General, And seeking statutory damages, punitive damages, attorneys fees, and other relief under 15 U.S.C. 1681n for willful non-compliance. 

This is your final opportunity to correct these violations before legal action is pursued. 

Sincerely, 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