Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer Under XXXX XXXX Code XXXX ( a ) ( XXXX ). Under the Fair Credit Reporting Act has been established by Congress, your agency 's role to me the principal, A consumer, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum accuracy. Under XXXX XXXX XXXX XXXX XXXX XXXX, you may not procure or furnish a consumer report without following XXXX XXXX XXXX XXXX ( a ) ( XXXX ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum accuracy has resulted in a conspiracy that deprived me of my right under the Truth in Lending Act subsection XXXX ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under XXXX XXXX XXXX XXXX. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies under XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). 

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and REMOVE/DELETE the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
In the zip file attachment included with this letter, you will see my identifying information as well as my consumer report from Transunion, Experian, and Equifax which shows these inaccurate and unverifiable information. 
However, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum accuracy and is false and misleading reporting. This information is also incorrect and falsely reports XXXX XXXX fields that do not match Transunion, Experian, and Equifax. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information pursuant to XXXX XXXX Code XXXX ( XXXX ) ( A ). 
REMOVE/DELETE the following accounts. 

REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of XXXX U.S. Code XXXX, Failure to maintain reasonable procedures, XXXX XXXX Code XXXX ( XXXX ) ( XXXX ), FDCPA Violation of XXXX XXXX Code XXXX False and Misleading reporting, Violation of XXXX XXXX Code XXXX ( XXXX ) ( A ). Deprivation of Rights XXXX XXXX XXXX XXXX. 

I am demanding my remedy for your willful noncompliance with each violation of the law. 

? Violation of XXXX XXXX XXXX XXXX- {$1000.00}? Violation of XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) - {$1000.00}? Violation of XXXX XXXX XXXX XXXX- {$1000.00}? Violation of XXXX XXXX Code XXXX ( XXXX ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. 
l am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under XXXX XXXX chapter XXXX. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under XXXX XXXX XXXX XXXX XXXX XXXX. 
CC : Registered Agent CC : XXXX XXXX : Privacy Compliance Officer CC : CFPB CC : XXXX  CC : NYS Attorney General CC : Federal Trade Commission

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