Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SECOND CFPB COMPLAINT & FORMAL LITIGATION WARNING Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Against : Experian Information Solutions , Inc . 
Submitted : XX/XX/XXXX Subject : Willful Failure to Acknowledge Dispute, Denial of Rights Under FCRA 611, and Concealment of Negative Data Without Notification To Whom It May Concern, This is my second formal complaint against Experian Information Solutions , Inc. for systemic criminal misconduct, suppression of consumer rights, and reckless disregard for the federal statutes that govern credit reporting. Experians failure to act upon and acknowledge my lawfully submitted dispute has escalated into a matter of willful noncompliance and collusion with data furnishers. 

I. Background of the Violations On XX/XX/XXXX, I submitted a formal dispute and supporting documents for two XXXX XXXXXXXX accounts : XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX These accounts were disputed on the grounds of : Reporting delinquent data without proper notice ( violation of FCRA 623 ( a ) ( 7 ) ) Experians failure to ensure accuracy across bureaus, as Equifax does not report any delinquencies ( FCRA 1681e ( b ) ) Failure to send notification of dispute being received ( FCRA 1681i ( a ) ) No dispute codes added to the account despite proper documentation On XX/XX/XXXX, I confirmed via Experians customer service phone line that no dispute was ever opened. This is a direct, verifiable violation of multiple federal statutes.

II. Specific Violations of Federal Law Experian is now in clear breach of multiple laws, including : 1. FCRA 1681i ( a ) ( 1 ) ( A ) : Requires Experian to conduct a reinvestigation upon notice of dispute. Experian refused.

2. FCRA 1681s-2 ( a ) ( 8 ) : Requires furnishers and CRAs to properly process consumer disputes. Experian failed.

3. FCRA 1681s-2 ( a ) ( 7 ) : Requires furnishers to notify consumers within 30 days before negative information is reported. XXXX XXXX and Experian both failed. 
4. FCRA 1681e ( b ) : Mandates the use of reasonable procedures to ensure maximum possible accuracy. Experian failed to match data inconsistencies with Equifax.

5. FCRA 1681n : Provides for statutory and punitive damages for willful noncompliance. Experian is willfully noncompliant. 6. FCRA 1681o : Allows recovery for negligent noncompliance. Experian has been negligent by suppressing dispute acknowledgment. 7. FTC Act 45 ( a ) : Pr
ohibits unfair and deceptive practices in commerce. Experians concealment of dispute status qualifies.

8. 18 U.S.C. 1343 Wire Fraud : Experian transmitted false consumer data for financial benefit via electronic systems.

9. 18 U.S.C. 371 Conspiracy to Defraud : Experian has suppressed disputes in coordination with XXXX XXXX. 
10. 18 U.S.C. 1001 False Statements : Experian certified dispute completion and verification with no evidence.

11. 18 U.S.C. 894 XXXX XXXX XXXX : Experian permitted ongoing reporting of false data to damage credit until payment is coerced. 

III. Criminal Exposure I am raising serious concerns of illegal collusion and profiteering between Experian and furnishers like XXXX XXXX. This may constitute : Wire fraud for the repeated digital transmission of data known to be false Conspiracy to defraud for working in coordination to avoid legal responsibilities False statements and concealment for certifying unverifiable data and denying knowledge of disputes XXXX for the unlawful use of false credit data to harm my financial opportunities IV. Experians Deliberate Obstruction Experians back-office dispute department is either failing to follow the law or is actively engaging in illegal suppression of disputes. I submitted : Government-issued ID Proof of address A detailed FTC complaint A statement identifying inaccurate reporting Experian failed to respond, failed to open a dispute, and failed to inform me of dispute status or reinvestigation efforts. Their conduct is beyond negligence it is criminal fraud.

V. Resolution Demands To avoid litigation, I demand the following within 7 calendar days : 1. Permanent deletion of both XXXX XXXX accounts from my Experian credit report ; 2. Written confirmation that Experian has marked these accounts as disputed and blocked them from further reporting ; 3. A full disclosure of any communication between Experian and XXXX XXXX regarding this matter ; 4. A signed legal statement from Experians compliance department affirming all dispute activity and internal steps taken to address this complaint ; 5. A formal apology issued by Experian and notification of disciplinary action taken against any employees responsible for the misconduct. 

If these demands are not met, I will : File a federal lawsuit in XXXX XXXX XXXX under FCRA 1681n and 1681o Pursue discovery of all internal Experian communications involving XXXX XXXXXXXX File supporting evidence with the FTC, CFPB, Attorney General, and DOJ Request criminal investigations for wire fraud, collusion, and consumer extortion I reserve all rights to damages, including : {$1000.00} per violation under FCRA Punitive damages for willful misconduct Emotional distress damages Legal fees and court costs Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX 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