Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Formal Cease and Desist Demand for Inaccurate Credit Reporting and FCRA Violations To Whom It May Concern : I am writing this formal Cease and Desist demand pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in relation to inaccurate, incomplete, or unverifiable information currently appearing on my credit reports maintained by your respective agencies.

Despite prior attempts to dispute and rectify these inaccuracies, the erroneous information remains and continues to cause financial and reputational harm. Your failure to thoroughly investigate and correct these inaccuracies violates the FCRA and constitutes negligent and willful noncompliance.

VIOLATIONS : 1. Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. You have failed to do so by maintaining and re-reporting incorrect data.

2. Failure to Properly Investigate Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a consumer disputes an item, the credit bureau must conduct a reasonable reinvestigation and delete or correct inaccurate information. Your investigations have been demonstrably insufficient.

3. Willful and/or Negligent Noncompliance In accordance with 15 U.S.C. 1681n and 1681o, willful or negligent failure to comply with FCRA requirements subjects your agency to liability for actual, statutory, and punitive damages, including attorneys fees. 
CASE LAW SUPPORT : XXXXXXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The court held that a credit reporting agency must go beyond the original source when it has reason to believe that the source is unreliable. 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinforces that credit bureaus must conduct meaningful investigations rather than simply parroting information from creditors. 
XXXXXXXX XXXX Equifax Credit Info. Servs., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Held Equifax liable for inaccurate data that it failed to correct following disputes. 
XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Confirmed that TransUnion violated FCRA by failing to verify disputed information and improperly relying on erroneous foreign data. 
DEMAND FOR IMMEDIATE ACTION : XXXX. Cease and desist from reporting the inaccurate information identified in my prior disputes. 
XXXX. Immediately delete or correct the disputed entries from my credit report. 
XXXX. Provide written confirmation within 15 days of receipt of this letter that the changes have been made or explain in writing, with full evidentiary support, why you refuse to do so. 
If you fail to take corrective action within the timeframe above, I will have no choice but to pursue legal action against your agency for violations of federal law, including but not limited to the FCRA. This will include seeking actual and statutory damages, punitive damages, and attorneys fees in accordance with 15 U.S.C. 1681n and 1681o.

A copy of this letter is being retained for legal purposes, and delivery will be verified by certified mail with return receipt requested. 
Sincerely, XXXX XXXX XXXX : copy of identification XXXX of credit report with collections

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