Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
NOTICE OF FINAL DEMAND FOR COMPLIANCE AND SETTLEMENT Private Settlement Offer Not for Public Disclosure Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX FROM : XXXX XXXX XXXX Private American National Authorized Representative Without Recourse XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX RE : Final Demand for Immediate Removal of Fraudulent Tradeline, Correction of Personal Information, Full Production of Investigation Documentation, and Settlement for Damages Dear Experian Legal Compliance Division, This correspondence serves as a FINAL DEMAND under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Arbitration Act ( FAA ), and under the full color and force of applicable federal law, to compel your immediate compliance and full corrective action regarding willful breaches, negligent violations, and fraudulent practices affecting my consumer file.

Statement of Facts : 1. You have willfully and knowingly continued to report fraudulent and unauthorized personal information including but not limited to : Multiple inaccurate names not legally associated with me, specifically XXXX XXXX and XXXX XXXX instead of my correct legal name XXXX XXXX XXXX. 
The unauthorized addition of no fewer than 19 separate addresses not lawfully linked to my identity, with the latest infringement being XXXX XXXX XXXX XXXX, alongside previous improper entries such as XXXX XXXX XXXX XXXX and XXXX XXXX, both linked to disputed and fraudulent XXXX XXXX tradelines. 
2. You have failed to comply with my lawful demands, including disputes and formal complaints lodged through the Consumer Financial Protection Bureau ( CFPB ), seeking not merely to initiate a dispute, but specifically demanding the full Method of Verification ( MOV ), including copies of all documentation, contracts, and communications that substantiate your reporting.

3. Despite receiving certified notices, Experian has failed and refused to : Produce any wet-ink signature contracts between myself and XXXX XXXX XXXX 
Supply records validating XXXX continued legal standing to report the debt after having sold the account to a third-party collector. 
Acknowledge or respond to my explicit demands for private binding arbitration, thereby violating the Federal Arbitration Act.

4. Following my last formal MOV demand submitted via the CFPB platform, Experian responded with two separate entries acknowledging that fraud existed on my account. 
Instead of removing the disputed fraudulent tradeline, names, and addresses as demanded, Experian unilaterally and without my authorization placed a new initial security alert on my consumer file. 
Despite acknowledging fraud, Experian continued its reckless and malicious refusal to correct the false information, thereby compounding the injury to my creditworthiness, reputation, and access to financial opportunities. 
The scale and nature of this willful disregard are appalling and serve as direct evidence of bad faith, intentional infliction of harm, and deliberate noncompliance with federal statutes and industry obligations.

Applicable Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation.

15 U.S.C. 1681b ( f ) Lack of permissible purpose to continue reporting invalid tradelines and personal data.

15 U.S.C. 1681g Failure to provide full consumer disclosure upon request. 15 U.S.C. 1681c-1 Impr
oper placement of security alerts without proper consumer authorization or explanation.

Federal Arbitration Act, 9 U.S.C. 1-16 Failure to engage in arbitration after valid invocation.

Case Law Support : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Reporting agencies must go beyond the original creditor and conduct their own investigation.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Failure to properly investigate constitutes willful noncompliance.

Guimond v. TransUnion Credit Information Co., 45 F.3d 1329 ( 9th Cir. 1995 ) : Credit reporting agencies are liable for damages when they fail to maintain accurate records. 



Formal Demand for Immediate Resolution : You are hereby formally demanded to : 1. Immediately and permanently delete the fraudulent XXXX XXXX tradeline and all associated fraudulent addresses and names.

2. Provide the full Method of Verification ( MOV ) for all challenged items, including copies of original signed documents and a complete accounting of all investigative actions taken.

3. Acknowledge acceptance of binding private arbitration should compliance not occur within the legally allotted time frame.

4. Remit settlement payment in the amount of {$120000.00} for actual, statutory, and punitive damages associated with : Loss of credit opportunities. 
Emotional distress. 
Reputational harm. 
Willful violations of federal consumer protection statutes. 
Bad faith engagement and retaliatory security alert placement. 



Notice of Intent : Failure to comply within 15 calendar days from receipt of this notice shall constitute further willful noncompliance and result in : Immediate filing of complaints with the CFPB, FTC, and Office of the Attorney General.

Initiation of binding private arbitration under the XXXX XXXX XXXX XXXX XXXX XXXX  rules.

Preparation of a civil lawsuit seeking maximum allowable damages, attorney fees, and statutory penalties under federal law.

This letter constitutes a good-faith effort to resolve this matter privately and efficiently. 



Respectfully Submitted, XXXX XXXX XXXX Private American National Authorized Representative Without Recourse XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Private Settlement Offer Not for Public Disclosure

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