Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo sue from XXXX XXXX XXXX, concerning severe violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

As of today, XX/XX/XXXX, my consumer file with Experian remains dangerously outdated and factually incorrect. My credit report has not been updated since XX/XX/XXXX over 14 months ago. This egregious lapse in upkeep poses a significant risk of harm. An unmonitored, stagnant credit profile opens the door to identity theft, data breaches, unauthorized activity, or false reporting and Experian will be held liable for any resulting damages. 

In addition, Experian is refusing to report my accurate and current address, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead, you have listed XXXX fraudulent or erroneous addresses that I have never lived at, authorized, or been associated with. These addresses must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, I was improperly assigned to a so-called specialist group by Experian a classification I did not request, consent to, or benefit from in any way. This specialist assistance has failed to act on my behalf or update my file in over a year. Remove me from this group immediately.

Legal Standing & Demand for Immediate Remedial Action Under 15 U.S.C. 1681i ( a ), you are legally obligated to ensure the accuracy and completeness of the information in my file and to conduct prompt reinvestigations when a consumer notifies you of disputes or outdated information. The lack of file maintenance, continued listing of fraudulent addresses, and failure to update my current residency violate federal law and expose Experian to both civil liability and punitive damages.

This letter serves as your final notice before legal escalation. I demand the following : 1. Immediate update and synchronization of my credit file to reflect all current account information as of todays date.

2. Immediate insertion of my correct residential address as listed above.

3. Complete removal of all addresses not connected to me.

4. Immediate removal from the specialist group classification.

5. Written confirmation within 5 business days that these corrections have been made.

If Experian fails to act, I will pursue legal action under the FCRA, including : {$1000.00} per violation in statutory damages Actual damages for emotional distress and financial harm Punitive damages Attorneys fees and court costs I am documenting this notice for presentation in court and submission to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 

Govern yourselves accordingly.

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