Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 


Subject : Final Notice : Immediate Deletion of Inaccurate Information or Legal Action To Whom It May Concern, This letter serves as my final notice and demand for the immediate deletion of inaccurate Information from my credit report. Despite my previous attempts to resolve these issues in good faith, your continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ) has left me with no choice but to take aggressive action. 

I have previously sent dispute letters on XX/XX/year> and XX/XX/year>, requesting the removal of the following inaccurate information : XXXX. XXXX - XXXX - {$3600.00} XXXX. XXXX - XXXX - {$5600.00} XXXX. XXXX XXXX XXXX XXXX  ) - XXXX - {$17000.00} To date, you have failed to adequately investigate these disputes or provide any substantiated evidence that supports the accuracy of this information. Your inaction and disregard for my rights under the FCRA are not only unacceptable but also illegal. 


If you do not immediately delete the disputed information listed above from my credit report, I will be left with no option but to file a lawsuit against your organization for willful noncompliance with federal law. This will include claims for : 14. Violation of the Fair Credit Reporting Act.

15. Defamation of character due to the reporting of false information.

16. Damages for the financial and emotional distress caused by your negligence.

I demand a written confirmation that the erroneous information has been permanently removed from my credit report within 15 days of receipt of this letter. Failure to do so will result in my immediate commencement of legal proceedings. 

Please be advised that I will also be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I will seek compensation for all legal fees, costs, and damages incurred as a result of your noncompliance. 

This is not a request but a final demand for immediate action. You have an obligation to ensure the accuracy of the information you report. I trust you will take this matter seriously.

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