Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
UNITED STATES DISTRICT COURT NOTICE OF PRE-LITIGATION FILING AND CEASE & DESIST DEMAND Complainant : XXXX XXXX. XXXX To : Equifax Information Services, LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : FORMAL NOTICE OF INTENT TO FILE CIVIL LITIGATION UNDER FCRA UNLAWFUL CREDIT REPORTING, SHAM INVESTIGATIONS & WILLFUL NONCOMPLIANCE Date : XX/XX/year> To Whom It May Concern, This letter serves as my formal and final notice of pre-litigation intent under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and accompanies a legally binding cease and desist order. I, XXXX XXXX. XXXX, have exhausted all non-litigation remedies over the past six ( 6 ) months and am prepared to pursue full federal litigation against Experian Information Solutions , Inc. and Equifax Information Services, LLC for systemic and deliberate misconduct in violation of federal law. 

SUMMARY OF VIOLATIONS Both Equifax and Experian have engaged in : Fabricated dispute resolutions ; Sham investigations closed within 24 days, in clear breach of FCRA 611 ( a ) and 1681i ( a ) ( 1 ) ; Failure to delete clearly fraudulent, unverifiable, and unauthorized accounts, despite documentation including rescinded contracts, FTC filings, and consumer affidavits ; Failure to provide 30-day notices prior to negative reporting ( FCRA 623 ( a ) ( 7 ) ) ; Retention of disputed accounts despite no documentation ever being produced to verify them. 

VIOLATING ACCOUNTS : The following remain on my credit report, with no proof of ownership, contract, or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts have been reported with falsified delinquency sequences ( e.g., 30/60/30/30 late ) and are being retained without any legal foundation. 

CEASE & DESIST DEMAND You are hereby ordered to cease and desist the following actions : Reporting, verifying, or retaining the above accounts without signed contracts or supporting documentation ; Continuing any reinsertion activity without compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ; Refusing to mark these accounts as disputed or omitting dispute codes ; Bypassing the 30-day notice requirements before reporting derogatory information. 

DAMAGES & LEGAL CONSEQUENCES You are on notice that your conduct violates : FCRA 1681e ( b ) Failure to maintain maximum accuracy ; FCRA 1681i Failure to reasonably reinvestigate ; FCRA 1681s-2 ( a ) ( 3 ) Continuing to report information after notice of dispute ; FCRA 623 ( a ) ( 7 ) Failure to notify consumer prior to reporting negative data ; FCRA 604 ( a ) Lack of permissible purpose. 

I am currently calculating total damages in excess of {$400000.00}, including : {$1000.00} per willful violation under 1681n ; Punitive damages ; Actual losses from credit denials and inflated interest ; Emotional distress and reputational harm ; Attorneys fees ( upon suit ). 

DEMAND FOR RESOLUTION To resolve this dispute without court intervention, I demand the following within 10 calendar days : 1. Permanent deletion of all disputed accounts from all credit files ; 2. Written confirmation of deletion and cease reporting status ; 3. Disclosure of all documents used to verify these accounts ; 4. A sworn statement affirming the steps taken to comply with this notice ; 5. A full accountability report from your back-office dispute departments, which will be submitted to the FTC for further review. 

Furthermore, this complaint will be filed alongside a formal FTC report citing clear evidence of extortionate and deceptive business practices. The continued misconduct of Experian and Equifaxs internal staff will no longer be tolerated. If corrections are not immediately implemented, I will move to seek judicial sanctions and regulatory audits targeting your dispute operations and your entire data furnishing system. 

LITIGATION WARNING Failure to comply will result in a federal lawsuit being filed in the Middle District of Florida without further notice. Equifax and Experian are already defendants in multiple CFPB and consumer-led lawsuits for sham investigations. I will present this complaint, supporting evidence, and all communications to federal court. 

Respectfully, XXXX XXXX. XXXX ( Complainant )

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