Consumer complaint received 2025-03-12 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Dispute Immediate Removal of XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinsertion To the Experian Dispute Department, I am following up on my previous disputes regarding the inaccurate and unlawful reporting of the following accounts on my Experian credit report : XXXX XXXX  XXXX Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Experian has already removed the XXXX  XXXX charge-off from my report, demonstrating that the negative information was inaccurate and unverifiable. However, XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX remain, despite containing the same reporting violations as XXXX  XXXX. These accounts must also be removed immediately under the same legal grounds. 



1. Ongoing FCRA Violations by Experian and Furnishers Experians refusal to remove XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : FCRA 1681s-2 ( a ) ( 7 ) : Failure to Provide Consumer Notice Before Reporting Negative Information I never received the required 30-day notic

e before these accounts were reported as charge-offs. If Experian can not provide evidence that these notices were sent, these accounts must be deleted.

FCRA 1681s-2 ( a ) ( 5 ) : Failure to Report the Correct First Date of Delinquency ( FOD ) No documentation has been provided proving the first delinquency date was reported accurately. 
If these furnishers can not verify the correct first delinquency date, these accounts must be permanently removed.

FCRA 1681s-2 ( b ) ( 1 ) ( D ) : Failure to Notify All Credit Reporting Agencies of Updates or Deletions XXXX and XXXX have removed certain accounts, yet Experian continues to report them. 
If an account is removed from one credit bureau, it must be removed from all to ensure uniform reporting under federal law.

2. CFPB Lawsuit Against Expe
rian for Sham Investigations and Unfair Practices Experian is currently facing legal action from the Consumer Financial Protection Bureau ( CFPB ) due to its failure to conduct proper reinvestigations and its unfair and deceptive credit reporting practices. 
Experian has a well-documented history of fabricating dispute results and refusing to conduct real reinvestigations. 
This CFPB lawsuit further proves that Experian knowingly disregards FCRA obligations. 
I will escalate this matter if Experian continues engaging in deceptive practices by refusing to remove these inaccurate accounts. 



3. Prevention of Unlawful Reinsertion Under FCRA 1681i ( a ) ( 5 ) ( B ) I am formally notifying Experian that any attempt to reinsert the XXXX XXXX account or any other previously deleted account would be illegal unless Experian fully complies with FCRA 1681i ( a ) ( 5 ) ( B ), which requires : 1. The furnisher to certify the accuracy of the reinserted account.

2. Written notice to be sent to me within 5 business days of reinsertion. 

If Experian re-reports XXXX XXXX or any other previously deleted account without following these legal requirements, it will be in direct violation of federal law, and I will pursue further legal action. 



4. Immediate Action Required I demand that Experian : 1. Immediately delete the XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX accounts from my credit report. 
2. Confirm in writing that these accounts have been permanently removed within 15 days. 
XXXX. Provide proof that the XXXX XXXX account and any previously deleted accounts will not be reinserted without meeting FCRA notice requirements. 

Failure to comply will result in immediate escalation to the CFPB, FTC, and legal action seeking full statutory, punitive, and actual damages. 

I expect a formal response from Experian within 15 days from the date of this letter. 


3. Experian Back Office Investigators May Be Held Personally Liable Under 15 U.S.C. 1681n ( Willful Noncompliance ) and 15 U.S.C. 1681o ( Negligent Noncompliance ), Experians employees, back-office investigators, and management staff may be held personally liable for knowingly allowing false information to remain on my credit report.

Each Experian employee handling my disputes has a legal obligation to conduct a thorough and honest investigation.

If any Experian investigator knowingly ignores my dispute, they may be personally subject to legal action under federal law.

Supervisors overseeing sham investigations may also be held accountable.

4. Experian is Accruing {$1000.00} Per Month, Per Violation Every month that Experian continues to report these inaccurate accounts, they are accruing severe financial penalties under the FCRA : XXXX XXXX  ( Account # XXXX ) Reported inaccurately since XXXX  XXXX account XXXX  months {$1000.00} = {$84000.00} in damages XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Reported inaccurately since XXXX  XXXX account XXXX  months {$1000.00} = {$84000.00} in damages Total Potential Liability Against Experian : $ XXXX These figures only reflect statutory damages. If I proceed with legal action, Experian may also be subject to punitive and actual damages, attorneys fees, and further CFPB penalties. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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