Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Notice of Intent to Sue and Demand to Cure - EXPERIAN From : XXXX XXXX XXXX in care of : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] Date : XX/XX/year> To : EXPERIAN INFORMATION SOLUTIONS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( XXXX ) To Whom It May Concern, This is a final elite Notice of Intent to Sue and Demand to Cure issued by XXXX XXXX XXXX in care of [ XXXX XXXX XXXX ], referencing previously submitted complaints and demands regarding Experian 's willful misconduct, federal noncompliance, and retaliatory behavior. 
This demand directly responds to your failure to act lawfully under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Federal Arbitration Act. You have refused to remove fraudulent tradelines, retained inaccurate addresses ( including XXXX XXXX XXXX XXXX XXXX XXXX ), and failed to acknowledge or respond to disputes submitted through proper legal counsel. These failures constitute material breaches of your legal duties. 
Despite repeated notices, Experian has : - Retained and reported fraudulent and obsolete accounts, including XXXX XXXX XXXX XXXX XXXX XXXX, while ignoring and omitting my actual residence at XXXX XXXX XXXX XXXX ; - Refused to process disputes filed through verified power of attorney and legal representation ; - Provided inaccurate and deliberately vague responses to CFPB complaints ; - Facilitated unauthorized credit reporting without permissible purpose ; - Obstructed the lawful removal of disputed data, resulting in harm to business operations, access to credit, and personal standing. 
Your conduct is in clear violation of : - 15 U.S. Code 1681i - Failure to reinvestigate disputes ; - 15 U.S. Code 1681b - Unauthorized access and reporting ; - 15 U.S. Code 1681s-2 - Failure to delete inaccurate information ; - Federal Arbitration Act - Refusal to comply with demanded arbitration ; - Equal Credit Opportunity Act and Constitutional protections - Resulting in financial injury and discriminatory restriction of credit access. 
This has caused direct economic damage, professional hardship, and emotional distress, preventing me from securing essential credit, launching compliant business ventures, and restoring rightful financial standing. 
DEMAND FOR CURE : XXXX. Immediate removal of all disputed addresses and fraudulent tradelines ( including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX. Full compliance with pending disputes filed through legal counsel. 
XXXX. Formal acknowledgment of Experian 's failure and a written confirmation of reinvestigation. 
XXXX. Participation in binding arbitration within XXXX business days. 
XXXX. Compensation in the amount of {>= XXXX for damages, hardship, defamation, and economic obstruction. 
Failure to comply within XXXX business days will result in formal litigation, continued regulatory escalation, and pursuit of injunctive relief through the federal courts. 
Notice to agent is notice to principal. All Rights Reserved - UCC 1-308. 

Respectfully submitted, XXXX XXXX XXXX in care of : [ XXXX XXXX XXXX ] Authorized Representative All Rights Reserved - XXXX XXXX XXXX XXXX XXXX XXXX This document is sealed and submitted under divine order, federal authority, and lawful standing. 

XXXX XXXX of XXXXXXXX XXXX This seal affirms the authority, spiritual standing, and lawful sovereignty under which this notice is issued. 

Seal of XXXX XXXX XXXX Below is the sacred and official sigil representing the living authority and sovereign jurisdiction of XXXX XXXX XXXX. 

This document is sealed by divine covenant, sovereign law, and trust authority. All rights reserved.

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