Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Intent to File Civil Suit for Violations of the FCRA and CCCRAA Failure to Block Identity Theft Account ; Reference to Experian XXXX CFPB Dear Experian Compliance Department, This correspondence serves as formal notice of my intent to initiate civil litigation against Experian Information Solutions , Inc. for willful and negligent violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) and the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ), in connection with your unlawful reporting and failure to delete fraudulent information related to a XXXX XXXX account ending in XXXX, which is the direct result of identity theft. 

You have in your possession, and I again attach herein : A Federal Trade Commission Identity Theft Report pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ) ; A duly filed police report in accordance with Cal. Civ. Code 1798.93 ; Written dispute documentation clearly identifying the disputed account as fraudulent. 


Despite these filings, Experian has failed to comply with statutory duties, including the requirement to block reporting of identity theft-related information within XXXX ( XXXX ) business days as mandated under 15 U.S.C. 1681c-2 ( c ) and Cal. Civ. Code 1785.16 ( k ) ( 6 ). The continued reporting of this account constitutes : Violation of 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy ; Violation of 15 U.S.C. 1681i ( a ) failure to reinvestigate consumer disputes in a reasonable manner ; Violation of 15 U.S.C. 1681c-2 ( a ) - ( c ) failure to block fraudulent tradeline upon valid identity theft claim ; Violation of Cal. Civ. Code 1785.16 ( k ), 1785.25 ( a ) - ( f ) unlawful reporting and retention of known inaccurate, disputed data. 


Furthermore, any internal Experian policies or investigatory discretion do not override federal mandates, as affirmed in Experian v. Consumer Financial Protection Bureau, No. 20-1237 ( D.C. Cir. 2022 ), where the U.S. Court of Appeals for the D.C. Circuit upheld the authority of the CFPB to enforce strict compliance with the FCRA, despite Experians challenge to its regulatory obligations. This decision reinforces Experians non-discretionary duties to investigate, correct, and block identity theft information once proper documentation has been submitted. 

If the XXXX XXXX  account is not permanently deleted within XXXX calendar days of receipt of this letter, I will file suit in the U.S. District Court for the Eastern District of California and/or XXXX XXXX XXXX XXXX XXXX XXXX Statutory damages under 15 U.S.C. 1681n, Actual damages under 15 U.S.C. 1681o, Punitive damages, Attorneys fees and costs, and Injunctive and declaratory relief. 


This notice constitutes a final opportunity to resolve this matter without court involvement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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