Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian, I am writing to file a formal complaint regarding the inaccurate reporting of XXXX XXXX XXXX account and XXXX XXXX on her consumer credit file. These accounts have been reported inaccurately, violating several key provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Additionally, I am concerned about Experian 's failure to comply with legal standards when addressing disputes regarding these accounts. 

XXXX. Violations of Permissible Purpose ( 15 U.S. Code 1681b ) Experian allowed both XXXX  and XXXX XXXX to report information to my credit report without valid, permissible purposes. Under 15 U.S. Code 1681b, a consumer reporting agency such as Experian can only allow entities to access and report a consumers information if the entity has a legitimate reason or permission to do so. I XXXX XXXX never provided consent for these companies to report information regarding her accounts, and therefore, Experian violated this provision by furnishing inaccurate information without permission. 

XXXX. Identity Theft ( 15 U.S. Code 1681c-2 ) As no consent was given by I XXXX XXXX XXXX XXXX or XXXXXXXX XXXX XXXX report on her credit, their actions constitute identity theft. 15 U.S. Code 1681c-2 clearly states that no company may report or use a consumers information without consent. XXXX role in allowing the reporting of this unauthorized information exacerbates the identity theft violation. 

XXXX. Civil Liability and Punitive Damages ( 15 U.S.C. 1692k ) Due to XXXX failure to comply with the regulations outlined in the FCRA, XXXX XXXX XXXX is entitled to civil liability, including actual damages, statutory damages, and punitive damages. This violation has caused significant harm to her credit report, leading to financial and reputational damage. I'm demanding {$8000.00} for the violation of consumer rights and the significant damage this has caused. 

XXXX. Violation of FCRA Reporting Procedures ( 15 U.S.C. 1681i ) Experians failure to conduct a proper and timely reinvestigation of the inaccuracies reported by XXXX and XXXX XXXX violates 15 U.S.C. 1681i. When a consumer disputes inaccurate information, Experian is legally required to conduct a reasonable reinvestigation and correct any inaccuracies promptly. In this case, the dispute was not handled within the required time frame, and no proper investigation was conducted, leading to continued harm. 

XXXX. Recent Lawsuit and Failure to XXXX XXXX XXXX for XXXX XXXX Experian has previously been involved in lawsuits due to its failure to meet the required standards for addressing disputes accurately and efficiently. In one such case, the district court found that Experian did not act in good faith by failing to follow proper procedures and investigate disputes within the statutory period. This failure to meet the standards for dispute resolution, particularly regarding the XXXX  and XXXX XXXX accounts, demonstrates a pattern of non-compliance with consumer rights protections. 

Request for Immediate Action In light of these violations, I demand the following actions be taken : Immediate Removal of the XXXX  account and XXXX XXXX from I XXXX XXXX credit report due to unauthorized reporting and violations of consumer protection laws. 

Full Investigation and Correction of all discrepancies related to XXXX XXXX credit file, including the removal of all inaccurate information. 

Compensation of {$8000.00} for the financial and reputational harm caused by these violations, including punitive damages. 

Formal Apology from Experian acknowledging the violations of consumer rights and the impact this has had on XXXX XXXX credit profile. 

Failure to comply with these demands will leave us with no choice but to pursue further legal action, including arbitration under the Fair Credit Reporting Act, and to seek the maximum allowable punitive damages as permitted by law. 

Please consider this a formal notice of my intention to pursue litigation and arbitration if this matter is not fully resolved within the next 15 business days.

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