Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Experian Legal Department, I am writing to formally notify you of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically your failure to comply with your obligations under sections 1681c-2 and 1681n of the Act. 

I advised Experian that I am a victim of identity theft and submitted to you official Identity Theft Reports, as defined under 15 U.S.C. 1681a ( q ). Under 15 U.S.C. 1681c-2 ( a ), once a consumer reporting agency receives proper notification that information resulted from identity theft, it must block that information from appearing in the consumers credit report within four ( 4 ) business days. 

Despite my compliance with all necessary requirements and despite the clear requirements of the law, Experian has failed to block and remove the following inaccurate and fraudulent addresses that I previously disputed : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( Note : There is no apartment building at this address ; it is a commercial industrial zone. ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX The FCRA is very clear : 15 U.S.C. 1681c-2 ( a ) states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' XXXX continued reporting of these fraudulent addresses, despite clear notice and supporting documentation, not only constitutes a violation of the FCRA but also continues to expose me to further risks of fraud and exploitation. 

Under 15 U.S.C. 1681n ( a ), Experian is liable for willful noncompliance with the FCRA, and I am entitled to recover : Actual damages sustained by me as a result of your failure ; Statutory damages ranging from {$100.00} to {$1000.00} per violation ; Punitive damages as the court may allow ; and Attorneys fees and court costs. 

Demand : I hereby demand that Experian immediately and permanently delete the above-referenced addresses from my credit report within four ( 4 ) business days from receipt of this letter. Failure to comply will leave me no alternative but to file a lawsuit against your company seeking statutory damages, actual damages, punitive damages, and attorneys fees. 

For your reference, I have again attached a copy of my Identity Theft Report. 

This letter is sent in good faith with the hope that this matter can be resolved promptly and amicably. However, I am fully prepared to pursue all available legal remedies if you fail to comply. 

Sincerely, XXXX XXXX [ Attachment : Identity Theft Report ]

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