Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
To Whom It May Concern : Please be advised that this letter serves as formal notice of my intent to pursue damages against Experian LLC and its subsidiaries for unauthorized reporting, retaliatory conduct, and multiple violations of federal law pertaining to my consumer credit report. 

On XX/XX/year>, Experian LLC, along with its subsidiaries, added XXXX XXXX aka XXXX XXXX XXXX back to my credit report without my authorization and in violation of applicable law. This entity was previously reported on my account approximately one and a half years ago and was removed along with other accounts ' ( CFPB ) XXXX one of many This re-reporting marks the third occurrence of Experian reinstating XXXX XXXX or another company my account, demonstrating a repeated and deliberate disregard for lawful procedure and consumer protections. Furthermore, I have reason to believe that this action is retaliatory, given the disrespectful treatment I have received in multiple instances with your representatives, who have not only dismissed my concerns but have also resorted to unprofessional conduct by hanging up and even laughing at my requests for resolution. 

This conduct on the part of Experian LLC and its agents has caused severe distress and has interfered with my ability to manage personal financial obligations, including a pending transaction to support my elderly grandmother. 

In demanding damages of {$290000.00}, I cite both past and ongoing issues with Experian LLC, whose actions have undermined my financial standing and violated my rights. Specifically, I bring to your attention the following legal requirements under federal law : 1. Notice of Reporting Obligation : Under 15 U.S.C. 1681s-2, a furnisher of information is required to provide accurate and complete information. Any modification or re-reporting to a consumers credit file must be conducted in compliance with federal law, including the requirement to provide a minimum five-day notice before re-inserting any previously deleted information. 


2. Debt Validation Requirements : Pursuant to 15 U.S.C. 1692g, validation of a debt, if required, must be conducted in accordance with federal standards, which mandate a signed, third-party validation of the debt. This means that any alleged debt or account associated with XXXX XXXXXXXX must be verified with a third-party signature on file, and no such validation has been presented to me. 



Experians repeated disregard of these legal standards and its disregard for my consumer rights have inflicted financial harm and emotional distress. Your actions have demonstrated a reckless disregard for federal consumer protection laws, and they have directly impacted my ability to manage personal financial obligations. 

This letter serves as my demand that Experian LLC immediately cease and desist from any further retaliatory actions, rectify this wrongful re-reporting of XXXX XXXX, and remit payment for damages in the amount of {$290000.00} to address the considerable harm caused by Experian LLCs actions. 

" I had to cancel my bank appointment for ( XXXX ) XX/XX/year> my XXXX XXXX XXXX grand mother who needs money because of both storms in XXXX  XXXX live in XXXX XXXX XXXX XXXX point 3rd time Failure to comply with the above demands may result in my filing a formal lawsuit in the United States District Court for the [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX seeking the full amount of damages, as well as all applicable attorneys fees, court costs, and any other relief deemed appropriate. 

Please respond in writing within ten ( 5 ) business days of receipt of this letter.

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