Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XXXXXXXX  Experian XXXX XXXX XXXX  XXXX, TX XXXX Formal Dispute & Demand to Block and Remove Inaccurate and Fraudulent Items Notice Pursuant to 15 U.S.C. 1681c-2 and FCRA Violations To Whom It May Concern : This letter serves as a formal notice and demand for immediate action under 15 U.S.C. 1681c-2, which grants consumers the right to block information resulting from identity theft and fraud. Despite multiple disputes submitted previously, Experian has repeatedly failed to conduct a lawful and reasonable investigation as required under the FCRA. 
You are knowingly reporting fraudulent and inaccurate information that I have no legal responsibility for. Below are specific accounts that must be removed immediately : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Status : Charged off, {$46000.00} past due * Issue : This account was previously disputed. You failed to provide proper verification or remove the entry despite my challenge. I have no knowledge of this debt and deny all liability. 
* Action : Block and remove under 1681c-2. 
2. XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Status : Charged off, {$690.00} * Issue : Marked as 27 months negative, yet I disputed and denied ownership, and Experian has willfully ignored my statement and evidence. 
* Action : Remove immediately or face legal consequences. 
3. XXXX XXXX Account # XXXXXXXX XXXX  Status : Charged off, {$160.00} * Issue : I have no knowledge of this account. A statement was submitted, yet the fraudulent item remains. 
* Action : Remove as fraudulent under 15 U.S.C. 1681c-2.

4. XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Status : Closed with 3 late payments * Issue : I never opened or authorized this account. Your failure to investigate this properly is a willful violation of the FCRA. 
5. XXXX XXXX Account # XXXX Status : Closed with 1 late payment Issue : I never opened or authorized this account. Your failure to investigate this properly is a willful violation of the FCRA. 

These accounts remain on my report despite prior disputes and Experian falsely marking them as investigation complete. Simply parroting what the furnisher claims is not an investigationit is gross negligence and a breach of federal law. 

Legal Action Is Pending Your refusal to properly investigate and failure to comply with my consumer rights is actionable under the Fair Credit Reporting Act. If these accounts are not removed within four ( 4 ) days, I will proceed with legal action, including : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) * Filing a formal lawsuit for damages under the FCRA, including attorney fees and statutory penalties * Notifying the Office of the Attorney General What You Must Do Immediately : 1. Permanently block and delete all fraudulent and inaccurate accounts listed above, under 15 U.S.C. 1681c-2.
2. Provide me with a full reinvestigation summary, method of verification, and proof of debt ownership.

3. Stop reporting this data to third parties, lenders, or any entity, effective immediately. 
This letter is sent in good faith with the expectation that Experian will fulfill its legal duties. No further delay or negligence will be tolerated. 
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