Consumer complaint received 2025-04-08 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: KY

Complaint narrative:
Subject : FINAL NOTICE IMMEDIATE CORRECTIVE ACTION REQUIRED TO AVOID LEGAL PROCEEDINGS To Whom It May Concern, This correspondence serves as formal and final notice regarding your companys willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 1681o. Your continued failure to accurately report, investigate, and correct erroneous information on my credit file has resulted in substantial financial harm, emotional distress, and repetitional damage, for which I am prepared to seek legal remedies, including monetary damages and injunctive relief.

LEGAL VIOLATIONS & FAILURE TO COMPLY WITH FEDERAL LAW As a consumer, I am entitled to a fair and accurate credit report, as mandated by the FCRA. Your blatant disregard for federal consumer protection laws constitutes multiple violations, including but not limited to : Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) Your agency has reported false, misleading, and erroneous information-despite prior disputes, violating your legal duty to ensure credit file accuracy.

Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) Upon receiving my dispute, you were legally required to conduct a reasonable reinvestigation. Instead, you have failed to provide a substantive response or take corrective action, further compounding your violations.

Failure to Correct Errors Within the Mandated Timeframe 15 U.S.C. 1681i ( c ) The FCRA mandates that disputed information must be corrected or removed within 30 days. Your failure to comply has resulted in ongoing financial harm and damage to my creditworthiness.

Failure to Provide Verification of Accounts 15 U.S.C. 1681i You have neglected to furnish documented proof of verification for the disputed accounts, demonstrating your continued reckless disregard for consumer rights and FCRA obligations.

Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o Your companys reckless indifference-toward compliance with federal law makes you legally liable for actual damages, statutory damages, punitive damages, and attorneys fees.

DEMAND FOR IMMEDIATE REMEDY & COMPENSATION Due to your deliberate and ongoing violations of the FCRA, I am formally demanding the following actions be taken within 15 days : Immediate removal of all disputed, inaccurate, and unverified accounts from my credit file.

A complete record of any documentation used to verify the reported information, including original signed agreements and proof of my consent.

Monetary compensation for damages incurred due to your noncompliance.

Pursuant to 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} per violation, in addition to actual damages for financial harm suffered. Based on my records, I have identified 4-13 separate violations, totaling $ XXXX {$13000.00} in damages. 
FINAL WARNING BEFORE LEGAL ACTION Failure to comply within 15 days from the date of this letter will result in immediate legal action being taken against your company. This includes but is not limited to : Filing a lawsuit in federal court to seek damages, injunctive relief, and attorneys fees for your continued violations of the FCRA. 
Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your persistent noncompliance. 
Seeking judicial intervention to compel compliance and impose punitive measures for your willful disregard of consumer rights. 
This letter constitutes your final opportunity to resolve this matter before I escalate legal proceedings. I urge you to take immediate corrective action. A written response confirming compliance with my demands is required within 15 days of receipt. 
This matter is non-negotiable. Should you fail to act accordingly, I will have no alternative but to pursue full legal recourse to the fullest extent permitted by law. 

Sincerely, 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