Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
To : Experian, TransUnion, Equifax Re : Final Formal Dispute of Inaccurate Reporting, Identity Theft, and Willful Violations of State & Federal Law CC : CFPB, FTC, Office of the Maryland Attorney General RE : FINAL NOTICE WILLFUL VIOLATIONS OF FCRA, FACTA, FDCPA, AND MARYLAND CONSUMER PROTECTION ACT To Whom It May Concern, This letter constitutes my tenth formal dispute against the ongoing inaccurate, defamatory, and unlawful credit reporting practices associated with my consumer profile. I am now forced to escalate this matter to legal and federal authorities due to your refusal to comply with multiple lawful dispute notices.

You are in willful violation of several federal and Maryland laws, including but not limited to : I. Federal Law Violations Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

1681s-2 ( b ) : Continued furnishing of inaccurate data after dispute notification.

1681c : Illegal continued reporting of obsolete data and delinquencies post-charge-off.

1681e ( b ) : Failure to maintain reasonable procedures to assure maximum accuracy.

1681b : Unauthorized access to and use of credit information in ways harmful to the consumer.

1681g & 1681h : Failure to provide adequate documentation of investigations upon request. 

Fair and Accurate Credit Transactions Act ( FACTA ) 609 ( e ) : Failure to block fraudulent information resulting from identity theft within four business days after receiving proof.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq.

1692e : False, deceptive, or misleading representation regarding a consumer debt.

1692f : Use of unfair or unconscionable means to collect or report a debt, including reporting disputed or settled accounts as past due.

Identity Theft Penalty Enhancement Act Criminal penalties may apply under 18 U.S. Code 1028A when knowingly facilitating fraud or identity theft through the failure to correct inaccuracies.

II. Maryland State Law Violations Maryland Consumer Credit Reporting Agencies Act Commercial Law 14-1201 et seq.

14-1206 : Failure to delete or modify inaccurate, incomplete, or unverifiable information within 30 days.

14-1208 : Failure to follow proper procedures for consumer-initiated reinvestigations.

14-1209 : Misrepresentation of the character, extent, or amount of a consumer debt.

Maryland Consumer Protection Act Commercial Law 13-301 et seq. 

Engaging in unfair, deceptive, or abusive acts or practices, including misrepresenting credit information that directly affects a consumers ability to access credit, housing, and employment.

Maryland Identity Theft Protection Act 14-3504 : Requires the blocking of information known to result from identity theft.

III. Disputed Items & Legal Demands You are hereby notified of willful and negligent misreporting of the following : XXXX XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX ) Fraudulent accounts due to identity theft, already documented through affidavit and investigation. 
Violations : FCRA 1681i ( a ), 1681s-2 ( b ) ; FACTA 609 ( e ) ; XXXX XXXX 

XXXX Bank ( Account ending in XXXX ) Closed and assigned to XXXX XXXX. Still falsely reported as charged off and delinquent. 
Violations : FCRA 1681e ( b ) ; FDCPA 1692e ; XXXX XXXX 

XXXX XXXX ( Account ending in XXXX ) Illegally reported XXXX months of derogatory history on a charged-off/closed account. 
Violations : FCRA 1681c & 1681s-2 ( b ) ; XXXX XXXX 

XXXXXXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged off after being sold/settled. 
Violations : FCRA 1681e ( b ) ; XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Fraudulent Address Linked to my name due to identity theft and used to verify fraudulent credit. 
Violations : FCRA 1681g ; XXXX XXXX 

XXXX XXXX ( XXXX ) In deferment and not delinquent. Credit score impact and reporting are improper.

Violations : FCRA 1681e ( b ), 1681c ( a ) ( 4 ).

Legal Demands Under 15 U.S.C. 1681n and 1681o, I demand the following actions immediately : Full removal of all closed, charged-off, and fraudulent accounts listed above. 

Full deletion of all late payments or delinquency statuses associated with said accounts. 

Full purge of the address XXXX XXXX XXXX XXXX from my credit reports. 

Block reporting of XXXX student loans from contributing derogatory scoring influence while in deferment. 

Provide me a corrected copy of all three credit reports within 15 calendar days.

Issue financial compensation for each unresolved violation, per 1681n ( a ) ( 1 ) ( A ) actual damages, 1681n ( a ) ( 2 ) punitive damages, and 1681n ( a ) ( 3 ) attorney 's fees and costs.

Notice of Escalation and Civil Suit Preparation If these demands are not met within 15 business days, I will file : Formal complaints with the Federal Trade Commission and Consumer Financial Protection Bureau Civil claims in XXXX  XXXX XXXX A federal claim under 15 U.S. Code 1681n for willful noncompliance and 1681o for negligent noncompliance You have had more than enough opportunity to correct these issues. Your intentional inaction and improper reinvestigations are predatory and legally actionable.

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