Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
Experian Information Solutions , Inc. 
XXXX XXXX XXXX  XXXX, TX XXXX RE : NOTICE OF PENDING FEDERAL LAWSUIT - DEMAND FOR CORRECTIVE ACTION Dear Sir/Madam, We write to inform you of the serious violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have been the subject of Consumer Financial Protection Bureau XXXX CFPB ) complaints filed against your respective credit reporting agencies, XXXX  Information Solutions , Inc. and XXXX XXXX . Attached you will find the CFPB Complaint Reference documents ( XXXX ) outlining these violations. 

Summary of Allegations : As detailed in the attached complaints, both Experian and XXXX  have consistently failed to : Investigate consumer disputes in accordance with the FCRA, despite clear obligations to do so upon notification by consumers. 
Report accurate information, causing significant harm to consumers by including erroneous or outdated data in their credit files. 
Comply with FCRA obligations regarding dispute resolution and failure to remove inaccurate or incomplete information from consumer credit reports within a reasonable time frame. 
Despite months of attempting to resolve these issues through CFPB complaints and direct correspondence, your companies have failed to take appropriate corrective actions, thereby compounding the damages suffered by affected consumers. 

Pending Lawsuits : The failure to respond adequately to the CFPB complaints has resulted in the preparation of formal federal lawsuits against Experian and TransUnion, which are ready to be filed in the United States District Court. The lawsuits will address the following : Jurisdiction and Venue : Jurisdiction is proper under 28 U.S.C. 1331, as the claims arise under federal law, specifically the Fair Credit Reporting Act ( FCRA ).

Venue is proper in the [ District of Jurisdiction ], where the defendant credit reporting agencies conduct business and where the wrongful conduct occurred.

Factual Allegations : Failure to conduct reasonable investigations of consumer disputes. 
Inaccurate credit reporting and failure to correct or remove erroneous information. 
Non-compliance with FCRA requirements regarding the timely resolution of credit reporting disputes. 
Causes of Action : Violation of the Fair Credit Reporting Act ( FCRA ), including Sections XXXX, XXXX ( b ), and XXXX. 
Negligence and/or willful noncompliance, resulting in significant harm to consumers. 
Claims for damages resulting from violations of the FCRA, including punitive and compensatory damages. 
Demand for XXXX XXXX : Given the long-standing nature of these issues, we hereby demand that Experian take immediate corrective action within XXXX business days from the date of this notice. Failure to respond or resolve the issues within this time frame will result in the immediate filing of lawsuits in XXXX XXXX, seeking damages in the millions of dollars, including both compensatory and punitive damages, in addition to attorneys fees and costs. 

This is your final opportunity to resolve this matter outside of litigation. If we do not receive an adequate response by the deadline, we will proceed with the filing of the lawsuits without further notice.

Company response to consumer: Closed with explanation