Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FORMAL DEMAND FOR SETTLEMENT & NOTICE OF INTENT TO SUE TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX FROM : XXXX XXXX XXXX DATE : [ XXXX ] RE : LEGAL DEMAND FOR SETTLEMENT IN THE AMOUNT OF {>= $1,000,000} FOR WILLFUL VIOLATIONS OF FEDERAL LAW, FRAUDULENT CREDIT REPORTING, AND CIVIL RIGHTS INFRINGEMENTS To Whom It May Concern, This letter serves as my final formal demand for settlement and notice of intent to initiate civil litigation against Experian Information Solutions , Inc. for multiple, ongoing, and willful violations of federal law, constitutional protections, and my consumer rights as defined under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq, the Fair Debt Collection Practices Act ( FDCPA ), and related legal doctrines. 

BACKGROUND & HISTORY OF NONCOMPLIANCE To date, I have submitted over XXXX formal complaints to the Consumer Financial Protection Bureau ( CFPB ) against Experian for its continued refusal to investigate, correct, and report factual information on my consumer credit file. The pattern of misconduct displayed by Experian not only indicates gross negligence, but rises to the level of malicious intent, data abuse, and systemic noncompliance with the following statutory provisions : STATUTORY VIOLATIONS AND LEGAL BASIS FOR CLAIM XXXX. Fair Credit Reporting Act ( FCRA ) Violations XXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a lawful, reasonable reinvestigation of disputed information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to provide written results of the reinvestigation and failure to correct or delete inaccurate, unverifiable information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to provide the Method of Verification ( MOV ) of disputed data upon request. 
XXXX XXXX. XXXX Accessing or modifying credit report data without permissible purpose or consent, particularly during disputes submitted by my attorney. 
XXXX XXXX. XXXX & XXXX Willful and negligent noncompliance with the Act, allowing for actual damages, statutory damages, punitive damages, attorneys fees, and costs. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX ( XXXX ) Reporting false or misleading information to credit reporting agencies, particularly the XXXX tradeline known to be unverified and disclaimed by the original creditor. 
XXXX XXXX. XXXX Engaging in abusive practices and conduct resulting in consumer harassment and emotional distress. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Denial of due process and equal protection under the law when Experian deliberately obstructed my access to credit, housing, and public accommodations. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX Acting under color of state or corporate authority to willfully deprive me of federally protected rights. 



FACTUAL BASIS FOR DEMAND Experian has repeatedly and fraudulently : Reported dozens of false addresses on my credit file, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( multiple listings ), and XXXX XXXX XXXX XXXX, many of which were removed by XXXX and XXXX after investigation. 
Falsely removed my actual verified address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 
Refused to remove the fraudulent XXXX XXXX tradeline, despite documented proof that XXXX has disclaimed ownership or interest in the account. 
Submitted false statements to the CFPB, contradicting facts in bad faith and attempting to avoid liability by mischaracterizing my fraud claim. 
Failed to honor my FTC fraud alert, replacing it with its own version without my knowledge or consent. 
Initiated or modified disputes without my authorization, in clear violation of XXXX XXXX. XXXX. 

These actions have caused tangible financial injury, emotional distress, reputational damage, and loss of business opportunities. Despite a healthy credit score and payment history, I have been XXXX XXXX denied for all lines of credit due to XXXX actions. 



DEMAND FOR RELIEF In light of the facts, evidence, timeline, and statutory authority, I hereby demand immediate settlement in the amount of : {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX Dollars ) This amount represents : Compensatory damages for denial of credit and financial loss Emotional distress, time lost, and reputational harm Punitive damages for willful, repeated, and knowing violations of federal law Costs related to legal fees, investigations, and filings Additional damages pursuant to FCRA XXXX and XXXX CURE PERIOD & LEGAL NOTICE If Experian fails to : Remove all unverified and unauthorized addresses, Correct and restore my current valid address, Permanently delete the fraudulent XXXX XXXX tradeline, Provide a formal written admission of wrongdoing and apology, And issue full payment of {$1.00} XXXX USD, within XXXX ( XXXX ) business days of receipt of this notice, I will proceed with immediate legal action in federal court. 

All prior complaints, records, CFPB submissions, recordings, and attorney communications will be introduced as evidence. Experian will be held accountable in a court of law. 

Notice to agent is notice to principal. Notice to principal is notice to agent. 

Sincerely, XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, Ga, 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