Consumer complaint received 2025-02-09 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:
Dear Experian, This letter serves as formal notice of my intent to pursue legal action against Experian for multiple violations of federal law stemming from your mishandling of my identity theft case and failure to comply with the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I submitted a formal identity theft affidavit and all required documentation to dispute fraudulent items and addresses on my credit report. Despite fulfilling my obligations under the FCRA, Experian has not taken the required actions, including the timely blocking of fraudulent information and the provision of a detailed Method of Verification ( MOV ). These failures constitute violations of my rights under federal law and have caused significant harm. 
Violations and Legal Basis Per my initial communication, I am seeking damages for the following violations, as allowed under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), which permits statutory damages of up to {$1000.00} per violation : Defamation of Character : Reporting inaccurate information despite notification of its fraudulent nature.

Negligent Enhancement of Identity Fraud : Failure to block fraudulent items, enabling continued damage to my credit and reputation.

Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to uphold the obligations mandated by the FCRA.

Violation of 15 U.S.C. 1681o : Civil liability for negligent noncompliance with the FCRA.

Violation of 15 U.S.C. 1681n ( b ) : Civil liability for willful noncompliance with the FCRA.

Failure to comply with 15 U.S.C. 1692 ( g ) : Failing to validate disputed items within the required timeframe.

Violation of 15 U.S.C. 1681b : Obtaining or using consumer reports for impermissible purposes.

Violation of 15 U.S.C. 1681i ( 7 ) : Failing to provide an adequate Method of Verification ( MOV ) for disputed items.

Violation of 15 U.S.C. 1681a ( 4 ) : Breaching my right to privacy as outlined in the FCRA.

Violation of 15 U.S.C. 1681c : Including prohibited or outdated information on my credit report. 
Harm and Liability Experians actionsor lack thereofhave caused severe harm to my financial standing, creditworthiness, and personal reputation. I have been denied access to financial opportunities and have endured emotional distress as a direct result of these violations. Under 15 U.S.C. 1692k, I am entitled to seek damages, including : Statutory damages of {$1000.00} per violation.

Actual damages caused by Experians negligence and willful noncompliance. 
Punitive damages to deter future violations. 
Proposed Resolution To resolve this matter amicably, I demand the following actions : Immediate Compliance with FCRA 605B : Block and permanently remove all fraudulent items and addresses identified in my identity theft affidavit.

Full Disclosure of the Method of Verification ( MOV ) : Provide a detailed explanation of how the disputed information was verified, including : All evidence reviewed. 
Names and contact details of individuals or entities involved in the verification process. 
Copies of any correspondence related to the investigation. 
Settlement of {$10000.00} : This amount represents compensation for statutory damages, actual damages, and the harm caused by Experians negligent and willful noncompliance.

Deadline for Response Experian must respond to this letter and comply with these demands within 15 business days of receipt. Failure to address these issues adequately will compel me to file a lawsuit in XXXX to seek all available remedies under federal law. I will also escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This is your final opportunity to resolve this issue outside of court. Please direct all correspondence to the address listed above or email me at XXXX. 
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