Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XX/XX/XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX DC XXXX Re : Final Demand Remove Fraudulent Accounts Immediately or Face Legal Action To Whom It May Concern, This is my final and formal notice regarding your gross failure to delete two fraudulent and unauthorized accounts from my credit reports, despite having already disputed them and submitted supporting documentation. Let me be clear : this letter serves as a pre-litigation demand. You are officially on notice. 





The following accounts must be immediately and permanently deleted : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts originated from data breaches and were opened without my knowledge or consent. You are knowingly reporting inaccurate, harmful information and you are violating federal law by doing so. 





Your lack of action is not just negligent its willful, reckless, and completely unacceptable. I will not tolerate this any longer. 

















Your Legal Violations You are in blatant violation of multiple federal statutes : FCRA 1681i You failed to conduct a reasonable reinvestigation within the required 30-day period.

FCRA 1681c-2 I properly invoked my right to block identity theft-related data, and you ignored it.

FCRA 1681n and 1681o Your willful and negligent noncompliance exposes you to civil liability.

FDCPA 1692e ( 8 ) You are knowingly communicating false, disputed information to third parties. 













Relevant Case Law Supports My Claim XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ) You are required to do more than parrot what the furnisher says. 

XXXX v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) Failure to independently investigate exposes you to liability. 

XXXX v. Equifax, XXXX WL 1124562 ( E.D. Tex. XXXX ) Proves that courts hold you accountable for ignoring clear evidence of error. 









Youve had your chance. You failed to comply with federal law, and now you are compounding your liability each day that these accounts remain on my reports.

My Demands I demand the immediate deletion of the above two accounts across all credit bureaus. You have 15 calendar days to comply. This is not a request it is a legal warning.

If these accounts are not removed within that timeframe, I will take the following actions without further notice : File complaints with the CFPB, FTC, and my State Attorney General.

File suit in Federal District Court for : Statutory damages Actual damages Punitive damages Legal fees and costs Pursue maximum legal penalties for every day you continue to damage my credit with false information. 









You are now on notice. Fix this immediately, or face the consequences in court. 





Sincerely, XXXX XXXX

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