Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as formal notice and demand that Experian Information Solutions XXXX Inc. immediately correct and delete multiple violations currently appearing on my consumer credit file. 

Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 604, 607 ( b ), 609, 611, and 623, by refusing to delete inaccurate and obsolete address information, failing to remove unauthorized inquiries, and continuing to report fraudulent accounts that are not mine. 

I have previously requested that Experian take corrective action. Your failure to do so constitutes willful noncompliance with federal law. 

XXXX. Deletion of Obsolete and Inaccurate Address below : ( XXXX XXXX XXXX XXXX, GA XXXX ) Experian continues to report an outdated and inaccurate address that no longer pertains to me. This false personal information misrepresents my identity and violates FCRA 607 ( b ), which mandates that consumer reporting agencies maintain only complete and accurate data. 
You are hereby instructed to permanently delete all addresses from my file except my current verified residence. Continued reporting of inaccurate personal identifiers constitutes negligent or willful noncompliance. 

XXXX. Removal of Unauthorized Credit Inquiries below : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  My credit file contains multiple inquiries that were not authorized or initiated by me. Under FCRA 604 ( a ) ( 2 ), a credit reporting agency XXXX furnish a consumer report only when a permissible purpose exists and proper consent has been obtained. 
These inquiries were made without a permissible purpose, and Experian is required to delete them immediately. Failure to do so represents a direct violation of both federal and state consumer protection laws. 

XXXX. Deletion of Fraudulent Accounts : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Experian continues to report one or more accounts that are fraudulent and not associated with me in any capacity. I have not opened, authorized, or maintained any relationship with the entities reporting these accounts. 
Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), Experian is legally obligated to investigate and remove unverifiable or fraudulent information within 30 days of receiving notice. The continued reporting of fraudulent accounts constitutes defamation of character, negligence, and willful harm to my credit reputation. 

XXXX. Legal Notice and Intent to Escalate If Experian fails to correct these violations and provide written confirmation of deletions within XXXX calendar days from receipt of this letter, I will pursue all available remedies, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Reporting XXXX willful noncompliance to my State Attorney Generals Office. 
Seeking civil damages and injunctive relief under FCRA 616 and 617 for negligent or willful violations of my rights.

You are on notice that further inaction or delay will be treated as intentional disregard for federal consumer protection law. 

Required Action : XXXX. Permanently delete all outdated and inaccurate addresses from my credit file. 
XXXX. Remove all unauthorized and fraudulent inquiries immediately. 
XXXX. Delete all fraudulent and unverifiable accounts. 
XXXX. Provide written confirmation of these deletions and a complete updated credit file reflecting these corrections. 

All future correspondence related to this matter shall be sent in writing to my current address listed above.

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