Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The XXXX XXXX Consumer Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Via Certified Mail and Email To : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CC : Fraud Department Directors, Legal Counsel, and Compliance Officers Re : Demand for Immediate Action and Legal Compliance under FCRA XXXX XXXX | XXXX : XX/XX/XXXX | Last 4 SSN : XXXX Experian Report No : XXXX Dear XXXX XXXX, XXXX XXXX, and Relevant Executives, This letter serves as formal notice of impending legal action against Experian Information Solutions , Inc., if immediate and full compliance with federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), is not achieved within FOUR ( 4 ) BUSINESS DAYS from receipt of this correspondence. This matter pertains to the blatant mishandling and willful negligence of my client 's credit report, which includes fraudulent accounts, improper verifications, and repeated violations of federal statutes.

Immediate Cease-and-Desist Notice You are hereby instructed to cease and desist all current reporting, processing, and dissemination of inaccurate and fraudulent information regarding my client 's file, including but not limited to : - The XXXXXXXX XXXX  Account ( Account Number : XXXX... ), which was fraudulently established through an unauthorized electronic application. This account was neither signed in wet ink nor consented to by my client. 
- Unethical removal and subsequent re-addition of the same negative account without any written notification or explanation, a direct violation of the FCRA. 
- Improper address manipulation, where Experian altered the address identification ( ID : XXXX ) tied to this account. The address in question ( XXXX XXXX XXXX XXXX XXXX XXXX, GA ) was added within the last year without proper validation, raising concerns about Experian 's intent to perpetuate fraud. 
Experian is also reminded of Section 605B of the FCRA, which mandates the blocking of fraudulent accounts upon notice of identity theft or fraud. My client has not only disputed these accounts but also provided evidence of fraud. Your failure to act in accordance with this statute constitutes willful noncompliance. 
Specific Violations and Legal Noncompliance XXXX. Failure to Respond in a Timely Manner : Experian failed to provide a proper response to my client 's dispute within the legally required timeframe of 30 days, as outlined in Section 611 of the FCRA. It took over 45 days to receive a response-an unequivocal violation. 
XXXX. Failure to Verify Accounts Properly : Experian has repeatedly deemed negative accounts as " verified '' without providing the original signed contract in handwriting, as required by law. An electronic application, absent consent, is insufficient for verification under the FCRA. 
XXXX. Pattern of Consumer Abuse : Recent cases, such as Ramirez v. TransUnion LLC, highlight systemic failures within the credit reporting industry, where consumers were misled and harmed due to improper handling of their credit information. Similar patterns have been observed in Experian 's treatment of my client. 
Additionally, in Jones v. Experian ( XXXX XXXX. XXXX ), a federal court found Experian liable for failing to address fraudulent account disputes and providing inaccurate information. My client 's experience mirrors these instances of negligence, and we intend to highlight this case in our legal proceedings. 
Demands XXXX. Immediate Action on Fraudulent Accounts : - Permanently remove the XXXX XXXX account ( Account Number : XXXX... ) from my client 's report. 
- Provide written documentation of the methods and procedures used to " verify '' this account, including the names, titles, and contact information of all representatives involved. 
- Include the original signed contract in wet ink from the alleged account opening, along with the date of establishment. 

XXXX. Complete Blocking of Fraudulent Accounts ( XXXX XXXX ) : Block all accounts identified as fraudulent by my client, as required by law, and confirm this action in writing. 
XXXX. Comprehensive Investigation and Transparency : Provide a detailed written explanation of Experian 's process for adding, removing, and re-adding accounts without proper notification. Explain why an unverified account was reintroduced to the credit report and why address manipulations were made without authorization. 
XXXX. Resolution Timeline : Deliver a comprehensive resolution within FOUR ( 4 ) BUSINESS DAYS. Failure to meet this demand will result in immediate legal action against Experian, including a lawsuit seeking damages for negligence, willful noncompliance with the FCRA, and harm caused to my client 's financial reputation. 
Legal Notice and Warning This correspondence is not to be processed or routed through automated systems, including Experian 's XXXX system. It must be escalated directly to Experian 's legal department and executive team for immediate attention. My client has opted out of any arbitration clauses, terms, or agreements that may limit their rights to seek legal remedies. 
Experian has repeatedly demonstrated disregard for federal law, as evidenced by numerous consumer lawsuits and regulatory penalties, including your {$5.00} million settlement with the CFPB for deceptive marketing practices. My client will not tolerate further harm caused by your negligence. 
Failure to comply with the demands outlined in this letter will result in the initiation of a lawsuit, which will name not only Experian but also individual executives, including the undersigned representatives of your fraud and legal teams. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX Consumer Attorney XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : 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