Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Notice of Intent to Litigate - Violations of the FCRA and Consumer Protection Laws To Whom It May Concern : This letter serves as a formal demand to rectify Experian 's egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other federal consumer protection laws. My client, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has endured significant harm due to Experian 's willful and negligent disregard for its statutory obligations under federal law. 
Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Block Fraudulent Accounts Pursuant to 605B : My client submitted a proper and substantiated request to block fraudulent accounts under 605B. Experian failed to fulfill this statutory duty, leaving harmful and fraudulent accounts on my client 's credit report.

2. Failure to Respond to Disputes in a Timely Manner ( 1681i ) : Despite the FCRA 's mandate requiring disputes to be resolved within 30 days ( or 45 days in cases of supplementary documentation ), Experian failed to address my client 's initial dispute within the allowable timeframe.

3. Failure to Remove Unauthorized Inquiries ( 1681b ) : My client has identified multiple unauthorized credit inquiries on their credit report that Experian has not removed despite being formally disputed. These inquiries, listed below, were neither authorized nor init
iated by my client.

4. Reinsertion of Previously Disputed Items Without Notice ( 1681i ( a ) ( 5 ) ( B ) ) : Experian reinserted previously disputed items into my client 's credit file without providing the required written notice. This is a blatant violation of the FCRA.

5. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 1681e ( b ) ) : Experian 's failure to maintain reasonable procedures to ensure the accuracy of credit report information has resulted in the continued misreporting of accounts and inquiries. 
Detailed List of Discrepancies Incorrect Personal Information : - Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative Accounts to Be Corrected or Removed : XXXX XXXX XXXX ( Account # : XXXX ) : - Incorrectly reported as overdue. 
- Under 15 USC 1666B, this is a billing error as the account was always paid as agreed. 
XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ) : - Re-aged accounts. 
- Incorrect high balance reported. 
- Reinsertion of negative items without notice. 
XXXX XXXX XXXX ( Account # : XXXX ) : - Re-aged accounts. 
- Reinsertion of negative items without proper notice. 
Legal Precedent Supporting Claims To underscore the gravity of these violations, consider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held Experian liable for failing to maintain reasonable procedures to ensure maximum possible accuracy. The judgment imposed substantial damages, underscoring the risks of continued non-compliance. 
Demands Experian is hereby required to : 1. Remove All Fraudulent and Negative Items : Eliminate all fraudulent accounts, unauthorized inquiries, and inaccuracies from my client 's credit report immediately.

2. Provide Confirmation of Correction : Submit written confirmation of the removal of disputed items and corrections within four ( 4 ) calendar days of receipt of this letter. 
XXXX. Adopt Procedural Safeguards : Implement internal protocols to ensure compliance with FCRA provisions regarding dispute resolution, reinsertion notices, and accuracy in reporting. 
Notice of Intent to Litigate Should Experian fail to comply with these demands within the specified timeframe, my client will initiate litigation to pursue statutory, actual, and punitive damages under the FCRA and other applicable laws. This includes compensation for financial harm, reputational damage, and recovery of attorney 's fees and costs. 
This letter constitutes Experian 's final opportunity to resolve this matter amicably. Failure to respond adequately will result in immediate legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments : XXXX. Documentation Supporting Disputes

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