Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax, Experian, and TransUnion Notice XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX Mail XXXX Receipt Requested. 

XXXX ) Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Date : XXXX. XXXX, XXXX From : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | Email : XXXX Phone : XXXX Re : Formal Notice of Lawsuit, Litigation Hold, and Demand for Full Procedural Disclosures and Corrections. 

Dear Equifax, Experian, and TransUnion : This letter places credit bureaus on formal notice of my lawsuit arising from your refusal to delete inaccurate and unverifiable accounts, repeated failures to provide written methods of verification, and reinsertions without the legally required mailed noticedespite my multiple disputes via the CFPB, certified-mail letters, and your online dispute portal. I maintain a complete paper trail of each submission and response ( or lack thereof ). 

1 ) Litigation Hold ( Preservation Notice ) Effective immediately, preserve all potentially relevant evidence, including but not limited to : All dispute files, ACDV/e-OSCAR transmissions, attachments, and timestamps ; Internal notes, call logs, agent IDs, screen prints, and workflow audit trails ; Communications with furnishers/collectors/affiliates ( emails, tickets, messaging ) ; Metro 2 reporting data, change history, and any suppression/reinsertion logs ; Policies, procedures, training, quality-control materials, and vendor contracts. 

Spoliation will be pursued in court if evidence is altered, overwritten, or destroyed. 

2 ) Required Written Disclosures ( Methods of Verification & Timelines ) Provide, by mail, a complete response for each disputed tradeline that was verified, including : The description of the procedures used to determine accuracy ( FCRA 611 ( a ) ( 7 ) ) ; Name, address, and telephone of each furnisher or public-records vendor contacted; The date that all three credit bureaus received each dispute ; the date/time it was forwarded ; the date/time and method of the furnishers response ; the Equifax agent IDs ; The length of time your internal investigation took for each item. 

Copies of all furnisher responses/media relied upon ( contracts, account-level histories, chain-of-title/purchase agreements, payment histories, notes, screenshots ) ; Any reinsertions since deletion and proof of mailed notice per FCRA 611 ( a ) ( 5 ) ( B ) ( including dates, USPS tracking if available, and content of notices ) .

3 ) Substantive Corrections Demanded Delete any item that is inaccurate, incomplete, misleading, or can not be verified within the statutes timeframe ( FCRA 611 ( a ) ).

Block or remove items where furnishers failed to investigate reasonably ( FCRA 623 ( b ) ), or where collectors failed to provide validation on request ( FDCPA 809 ( b ) ; 15 U.S.C. 1692g ).

Cease re-aging or improper recent activity updates on charged-off or sold accounts ( FCRA 1681e ( b ) ; accuracy ; case law on reasonable procedures ). 

Do not reinsert removed items without full certification and a mailed reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Correct identifiers ( names/AKAs ) to report only my legal name : XXXX XXXX XXXX XXXX FCRA 1681e ( b ) ). 

4 ) Statutory Causes of Action ( non-exhaustive ) You are on notice of claims, including your list and standardized cites : Your requested codes ( as provided ) : 15 USC 1681ag, 1681eb, 1681ia6b, 16812ii, 6081ea, 1681n, 1681o, 1681ia6b3, FCRA 611 ( a ) ( 5 ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681s-c , FDCPA 809 ( B ), FCRA 604 ( A ) ( 3 ), FCRA section 623 ( A ) ( 1 ) ( A ), 15 USC 1601, 15 USC 1692C, 15 USC 1681A2B, 15 USC 1666b, 18 USC 1028A, 15 USC 1681N ( debt/debr validation claim ), plus purchase/loan sale/forward-flow agreements and bill of sale challenges. 

Standardized legal citations covering the same conduct ( for clarity ) : FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) ( permissible purpose ) FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) FCRA 611 ( a ), ( a ) ( 7 ), 15 U.S.C. 1681i ( a ), ( a ) ( 7 ) ( dispute duties ; methods of verification disclosure ) FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( reinsertions ; mailed notice required ) FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing accurate info ) FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) ( furnisher reinvestigation duties after CRA notice ) FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g ( a ) ( 1 ) ( file disclosures ) FCRA 616/617, 15 U.S.C. 1681n, 1681o ( civil liabilitywillful/negligent ) FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) ; 805, 15 U.S.C. 1692c ( validation ; communications ) TILA references ( 15 U.S.C. 1601, 1666b payment creditingby analogy where applicable ) 18 U.S.C. 1028A ( aggravated identity theft ) if identity-misuse evidence arises.

5 ) Damages & Relief Sought ( non-exhaustive ) I will seek statutory, actual, and punitive damages for : reinsertions without notice, refusal to mail methods of verification, privacy/data-sharing violations, deception, denial of safe housing, wrongful credit denials, reputational harm, emotional distress, and associated costs/fees.

Deadline : Provide the written disclosures and complete corrections within 15 calendar days of receipt. Mail to the address above. 

Sincerely, XXXX XXXX XXXX Enclosures : CFPB complaints & responses ; certified-mail receipts ; portal screenshots ; dispute letters ; credit reports ; furnishers letters ; identity documents. 

XXXX ) Experian Notice XXXX XXXX XXXX XXXX Hold Via Certified Mail Return Receipt Requested Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX TransUnion Notice XXXX XXXX XXXX XXXX Hold Via Certified Mail Return Receipt Requested TransUnion XXXX XXXX XXXX XXXX XXXX, IL 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