Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX To : Experian Legal Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Experians Ongoing FCRA Violations, Fabricated Dispute Deletions, Sham Investigations & FTC Complaint FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, This is a final legal notice demanding that Experian immediately remove all disputed accounts from my credit report due to fraudulent dispute handling, fabricated deletions, and systemic failures in ensuring accuracy. 

Despite multiple disputes, Experian has engaged in deceptive business practices, including : Knowingly fabricating dispute deletions, falsely indicating that accounts were removed when they were not. 
Relying on EOSCARs automated system instead of conducting a lawful and independent reinvestigation. 
Blindly accepting creditor certifications, even when other CRAs ( XXXX XXXX XXXX ) have removed the same accounts. 
Failing to verify that creditors properly notified me of negative information within the required 30-day period. 
Negligently tarnishing my credit score and overall financial standing due to these systemic errors. 

If Experian does not comply within 10 business days, I will file a lawsuit for damages of {$10000.00} based on the following FCRA, FTC, and CFPA violations and their corresponding penalties. 



1. Experians Fabricated Dispute Deletions & FCRA Violations Experian has a documented history of falsely reporting deletions on consumer disputes. In my case, Experian : Indicated that accounts were removed when they remained on my credit report. 
Failed to provide any record of actual reinvestigations or supporting documents. 
Reinserted accounts without notifying me in writing within 5 business daysa direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), which prohibits the reinsertion of deleted items without consumer notice.

Legal Consequences : Under FCRA Section 1681n, I am entitled to : {$1000.00} per willful violation ( for each instance of fabricated deletions or failure to notify me of reinsertion ).

Actual damages for the impact on my credit score.

Punitive damages due to Experians reckless disregard for consumer rights.

2. Experians Sham Investigation Process Failure to Conduct Meaningful Reinvestigations Experian continues to report XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) accounts that were removed from XXXX, proving it is not conducting independent investigations but merely relying on creditor responses. 

Violations : FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Requires a reasonable reinvestigation of disputes.

FCRA Section 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must verify that furnishers are accurately reporting data.

Legal Consequences : Each failure to conduct a reasonable reinvestigation is a separate FCRA violation, entitling me to statutory damages. 



3. Experians Procedural Violations Failure to Provide Required Notices A. Failure to Provide Dispute Notifications Within 5 Business Days Experian failed to notify me of dispute outcomes within 5 business days, violating FCRA Section 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

B. Failure to Verify That Creditors Sent 30-Day Negative Reporting Notices Chase, PenFed, and other creditors failed to provide proof of issuing 30-day notices before furnishing negative information.

If a creditor fails to notify the consumer, the tradeline must be deleted immediately ( FCRA Section 623 ( a ) ( 7 ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) ).

Legal Consequences : Each failure to provide notice is a separate FCRA violation, entitling me to further statutory damages. 



4. Experians Deceptive & Unfair Business Practices FTC Complaint Filed Experians actions constitute deceptive trade practices, violating 15 U.S.C. 45 ( Section 5 of the Federal Trade Commission Act ).

Experian has misled consumers by fabricating dispute results and failing to conduct legitimate investigations. 
This is the same behavior cited in the CFPBs lawsuit against Experian ( Case XXXX. XXXX ), proving systemic fraud. 

Legal Consequences : The FTC has the authority to impose penalties exceeding {$10000.00} per instance of deceptive business practices. 
I have filed a formal FTC complaint requesting an investigation into Experians fraudulent practices. 



5. Legal Action Seeking {$10000.00} in Damages Due to Experians violations and the resulting harm to my financial standing, I am seeking {$10000.00} in damages, including : {$1000.00} per violation under 15 U.S.C. 1681n for willful noncompliance.

Actual damages for harm to my credit score caused by fabricated dispute deletions and inaccurate reporting.

Punitive damages due to Experians reckless disregard for consumer rights and systemic noncompliance.

If Experian does not resolve this matter within 10 business days, I will : 1. File a lawsuit demanding {$10000.00} in damages.
2. Pursue further legal claims under the CFPB lawsuits precedent.

3. Expose Experians fraudulent practices through additional regulatory complaints.

6. Final Demand for Immediate Action To avoid further legal consequences, Experian must : 1. Immediately delete the following disputed accounts : XXXXXXXX XXXX XXXX ( Multiple Accounts ) XXXX XXXX XXXX XXXX ( XXXX  ) Any other accounts proven to be inaccurate or unverifiable 2. Provide documented proof that Experian has independently verified each accounts accuracy rather than relying solely on creditor certification. 
3. Confirm in writing that Experian has discontinued the use of fabricated dispute results in my case. 
4. Provide written confirmation of account deletions within 10 business days.

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