Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FINAL NOTICE OF FCRA NON-COMPLIANCE DEMAND FOR IMMEDIATE DELETION & NOTICE OF INTENT TO ARBITRATE * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX ATTENTION : LEGAL DEPARTMENT Re : FINAL NOTICE FCRA Violations, Demand for Deletion & Notice of Intent to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS MY FINAL NOTICE. NO FURTHER WARNINGS WILL BE PROVIDED. 

Experian is hereby placed on formal notice of continued, willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This correspondence constitutes my final demand and final opportunity for Experian to cure its violations prior to arbitration. 



FACTS & VIOLATIONS The XXXX account listed above was previously deleted from my Experian credit file. Experian later reinserted this account without providing the legally required certification or written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

To date : I have never received a reinsertion notice, I have never received certification of accuracy, and Experian has failed to demonstrate lawful reinsertion. 

Despite this, Experian marked the account as verified, a response that does not cure and does not excuse a reinsertion violation. 



ONGOING INACCURATE & MISLEADING REPORTING In addition to the illegal reinsertion, Experian continues to publish materially inaccurate and misleading information, including but not limited to : A charged-off account reflecting a continuously increasing balance ; Contradictory reporting, including {$0.00} balances reported on XX/XX/XXXX, followed by renewed balance growth ; Balance updates occurring long after charge-off, without explanation or lawful accounting ; A clear failure to maintain maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ). 

Reliance on a furnishers automated verification does not relieve Experian of its independent statutory duties. Experian is strictly liable for continuing to report information that is facially inaccurate, misleading, and internally inconsistent. 



XXXX XXXX Experian is hereby demanded to take the following actions within XXXX ( XXXX ) days of receipt of this notice : XXXX. Immediately and permanently delete the XXXX tradeline ( Account XXXX XXXXXXXX ) from my Experian credit file ; XXXX. Provide written confirmation of deletion ; and XXXX. Cease any further reporting of this account. 



NOTICE OF INTENT TO ARBITRATE If Experian fails to comply in full within the stated timeframe, I will proceed without further notice to initiate binding arbitration pursuant to XXXX  consumer agreement and seek all available remedies, including statutory damages, actual damages, costs, and fees as permitted under the FCRA. 

This letter is not a request. It is a final demand. 

Nothing herein shall be construed as a waiver of any rights, claims, or remedies. All rights are expressly reserved. 



Sincerely, XXXX XXXX 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