Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank, and other financial institutions. 

# # Demand for Immediate Account Deletion XXXX has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and Experian immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # Investigation of FraudulenXXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts. 
2. The continued reporting of these accounts despite the lack of proper documentation.

3. The sudden deletion of these accounts when pressed for 1099-C records.

# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within 5 business days. 
2. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
3. Initiate an investigation into the reporting practices of XXXX  XXXX XXXX, XXXX XXXX, XXXX Bank XXXX and other involved institutions. 
4. Provide written confirmation of these actions within 10 business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX 's actions, may constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees 3. Seeking punitive damages for willful noncompliance The deletion of these accounts by XXXX confirms the validity of my claims. Your immediate action is not just expected, but required by law. 

Sincerely, 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