Consumer complaint received 2025-04-08 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:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against : Experian Information Solutions , Inc . 



Subject : Intent to Sue Experians Willful FCRA Violations, Continued Reporting of Inaccurate Accounts, and Complicity in Deceptive Collection Practices To Whom It May Concern : This complaint is submitted against Experian Information Solutions , Inc. for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) Act, and for knowingly participating in deceptive, inaccurate, and harmful reporting practices that have caused material harm to my financial standing and reputation. 

Let it be clear : I am not a victim of identity theft. I am a victim of Experians reckless disregard for federal law, their incompetent and abusive reinvestigation procedures, and their complicity in the illegal actions of data furnishers and debt collectors like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 



1. Experians Failure to Remove Inaccurate XXXX XXXXXXXX Accounts Despite multiple disputes, Experian continues to report late payments and derogatory remarks related to XXXX XXXX  XXXX accounts ( opened in XXXX  ), even after these accounts were disputed on the grounds of : Mathematically impossible delinquency reporting ( e.g., accounts reported as 90 days late without ever being XXXX or XXXX  days late first ). 
Failure to provide legally required XXXX notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) before furnishing negative information.

Failure to confirm mailing of any billing statement prior to due dates, a direct violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

Experian has been made aware of these FCRA violations yet continues to enable XXXX XXXX  fraudulent reporting, making Experian jointly liable under FCRA 1681n ( willful noncompliance ) and 1681e ( b ) ( failure to ensure accuracy ).

2. Experians Complicity in Reporting a Fraudulent Collection by XXXX XXXX XXXX XXXX XXXX XXXX  Experian is also reporting a fraudulent and unvalidated collection from XXXX XXXX XXXX XXXX XXXX XXXX, despite this debt collector : Failing to provide a chain of assignment or proof of legal ownership. 
Violating 15 U.S.C. 1692g ( b ) by failing to validate the debt after dispute.

Engaging in deceptive practices in violation of 15 U.S.C. 1692e and potentially 18 U.S.C. 894 ( extortionate collection practices ).

By continuing to report this account, Experian is aiding and abetting unlawful debt collection, and exposing itself to serious regulatory penalties and lawsuits.

3. Experian Is Actively Being Sued CFPB Must Intervene Experian is currently being sued in multiple federal actions for its systemic failure to conduct proper investigations, and for allowing furnishers to verify information without evidence.

This includes class action lawsuits and regulatory enforcement actions for : Fabricated dispute resolutions Sham reinvestigations closed in minutes Reporting debts without legal verification Permitting furnishers to bypass consumer protection laws Experians continued misconduct is not an isolated incidentits part of a pattern of abuse and willful ignorance of the law.

4. Legal Impact & Victim Statement I am the victim of : Reckless credit damage Blocked financial opportunities Emotional distress caused by false derogatory reporting A corrupted dispute process designed to protect furnishers, not consumers Experian has made no legitimate effort to correct these errors or comply with federal law. This behavior is indefensible in court and exposes Experian to statutory and punitive damages.

5. Resolution Demands I demand the following : 1. Immediate deletion of all XXXX XXXX derogatory remarks, including late payments from both accounts. 
XXXX. Permanent deletion of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection. 
3. Full disclosure of any documentation used to verify these accounts, including names of individuals and timestamps.

4. Written confirmation that these accounts will not be reinserted unless verified by original contracts and legal authority.

Failure to comply within 15 days will result in : A formal lawsuit in XXXX XXXX XXXX A joint complaint with the FTC Filing under FCRA 1681n for willful noncompliance Claims for actual, statutory, and punitive damages exceeding {$75000.00} This is your final opportunity to correct your violations before litigation is initiated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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