Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
FINAL NOTICE WILLFUL NONCOMPLIANCE To : Legal & Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX is hereby placed on FINAL NOTICE that its continued furnishing of fraudulent credit information constitutes knowing and willful violations of federal law. 

You are no longer permitted to : Report any information regarding these accounts Attempt collection Communicate with third parties Reinsert deleted data under any circumstances Any further reporting will be documented as intentional misconduct and used as evidence in : Federal civil litigation State Attorney General complaints Requests for statutory and punitive damages You are directed to DELETE, NOT CORRECT, all fraudulent data and confirm compliance in writing within 10 days. 

Failure to comply will be interpreted as malicious disregard for consumer rights. Against : XXXX XXXX XXXX Submitted to : Consumer Financial Protection Bureau Summary of Complaint XXXX XXXX XXXX has repeatedly opened, maintained, and furnished information regarding fraudulent credit accounts in my name without authorization, despite multiple disputes, fraud notices, and identity theft claims. This conduct constitutes willful noncompliance with federal consumer protection laws and represents a pattern of reckless and abusive credit reporting practices. 



Detailed Complaint XXXX XXXX XXXX has engaged in a continuous pattern of unlawful conduct by : Allowing fraudulent accounts to be opened in my name Failing to properly verify identity prior to account creation Continuing to furnish false and defamatory credit information after receiving notice of fraud Ignoring or performing sham investigations in response to formal disputes Despite clear notice that these accounts are the result of identity theft, XXXX XXXX XXXX continues to report derogatory information to consumer reporting agencies including TransUnion, Experian, and Equifax, causing ongoing financial, emotional, and reputational harm. 



Federal Law Violations XXXX XXXX XXXX actions violate, at minimum : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) 1681s-2 ( a ) : Furnishing information known to be inaccurate 1681s-2 ( b ) : Failure to conduct a reasonable investigation 1681c-2 : Failure to block identity-theft-related information Identity Theft and Assumption Deterrence Act CFPB UDAAP Provisions Unfair, Deceptive, and Abusive Acts or Practices XXXX XXXX XXXX  continued reporting after receiving fraud documentation constitutes reckless disregard and willful misconduct, not clerical error. 



Harm Caused As a direct result of XXXX XXXX XXXX actions, I have suffered : Credit score damage Denial or impairment of credit opportunities Emotional distress and financial instability Ongoing time and expense to correct fraudulent reporting This harm is ongoing and cumulative.

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