Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
To the Filthy Disgusting Entities Operating as Credit Reporting Agencies : You are a Conglomerate of Corruption, bloody suckers profiting off the misery of consumers. Billions of dollars flow into your coffers, not from fair dealings, but from the exploitation of those you claim to serve. May the bloodied profits you've greedily drained from the veins of ordinary people come surging out of your filthy nostrils, exposing the grotesque empire you've built. Your practices reek of oppression, and your stranglehold on the financial lives of countless individuals is nothing short of despicable.

You have responded with the feeble excuse that you are still " working on my case '' and will respond within 60 days. Let me remind you that this delay is not only unconscionable but also a blatant violation of the Fair Credit Reporting Act ( FCRA ). While you drag your feet and hide behind bureaucratic inefficiencies, my consumer credit report continues to be corrupted with fraudulent and inaccurate itemsitems I have clearly demonstrated to be the result of identity theft.

Your refusal to block these corrupted items immediately, as mandated by 15 U.S.C. 1681c-2, underscores your utter disregard for the law and the profound damage your inaction continues to inflict. Every day that passes without action compounds the harm done to my financial stability, my ability to secure fair credit, and my efforts to rebuild after enduring the devastating effects of identity theft.

A Staggering Breach of Trust : Your willingness to allow these corrupted items to persist while " working on my case '' demonstrates : 1. Negligence in Duty : The law is explicitfraudulent items must be blocked within four days of receiving all required documents. Your delay is a breach of this legal requirement.

2. Harmful Inaction : Your refusal to block these items perpetuates the financial harm I continue to suffer. You are directly contributing to the ongoing damage to my consumer credit report.

3. Lack of Accountability : Hiding behind vague promises of future action is not compliance ; it is obstruction.

The Clock Has Run Out : Your current stance does not align with your obligations under the FCRA, nor does it absolve you of responsibility for the harm you are perpetuating. You have had more than sufficient time to act. Instead, you have chosen to prioritize delay over duty and profit over people.

Immediate Action Demanded : Under the authority of the FCRA, I demand the following : 1. Immediate Blocking of All Fraudulent and Disputed Items : Your refusal to block these items without delay is a clear violation of the law.

2. An End to Delay Tactics : You must cease all strategies aimed at stalling or deflecting responsibility.

3. A Comprehensive Report of Actions Taken : Provide a detailed account of what steps you have taken and will take moving forward to resolve these issues.

A Warning You Can not Ignore : Let me make this clear : the law does not grant you a grace period to " respond '' while fraudulent items remain active on my consumer credit report. Your disregard for the four-day mandate for blocking such items is not only a failure to uphold your legal obligations but a direct insult to the consumers you claim to serve.

If you believe you can operate above the law, you are mistaken. I am prepared to escalate this matter through all available legal channels to ensure compliance and accountability. Your time for inaction is over.

Final Word : Your practices are not just negligentthey are predatory. As your so-called " response '' drags on, the damage to my consumer credit report deepens. This is unacceptable. The law is clear, and my rights as a consumer are non-negotiable. I will not stand by while you perpetuate harm and ignore the mandates set forth to protect individuals like myself. 

This is your final opportunity to act in accordance with the law. Failure to do so will result in the full exercise of all remedies available to me under federal regulations. 

With Disdain, 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