Consumer complaint received 2024-10-16 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:
Subject : Final Follow-Up Regarding XXXX XXXX Disputes and Request for Immediate Deletion and Block under Section 605C of the Fair Credit Reporting Act ( FCRA ) I am writing to follow up on my previous disputes and requests regarding the removal of accounts from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). I filed a dispute as a victim, provided all necessary documentation, and requested the immediate deletion and blocking of accounts related to this unfortunate situation. However, despite the legal requirements, these accounts have yet to be removed from my credit report and additional information being requested to purposely delay compliance. 

I. XXXX XXXX Block Request As previously documented, I am a victim, and the accounts reported on my credit report were the result of actions taken by my abuser, not my own voluntary financial activities. These accounts should have been blocked and deleted within four business days of your receipt of my original dispute, as mandated by FCRA Section 605C. Yet, I see that these harmful entries are still being reported. 

II. Legal Obligations Under FCRA Section 605C Under FCRA Section 605C ( 15 U.S.C. 1681c-2 ), you are required to : 1. Block the information appearing on my credit report 2. Permanently remove any accounts or inquiries resulting from this situation from my credit file and refrain from disclosing this information to third parties. 

Failure to comply with these legal obligations not only violates my rights but also exposes your agencies to potential legal consequences, including civil damages for failing to meet your statutory duties. 

III. Immediate Action Demanded This letter serves as a final demand for the immediate removal of all accounts associated with my request. Specifically, I request : 1. Immediate and permanent deletion/blocking of all adverse accounts and inquiries stated prior 2. Written confirmation that the accounts have been deleted and that no further adverse information related to these incidents will appear on my credit report.

3. Cease and desist from further reporting, sharing, or disclosing these accounts to any third party.

IV. Failure to Comply Should you fail to resolve this matter within 10 business days from the date of this letter, I will have no choice but to take legal action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing civil litigation to seek all available remedies under federal law, including actual damages, statutory damages, punitive damages, and attorneys fees as allowed under the FCRA. 

V. Conclusion I have provided the required documentation and exercised patience while waiting for your compliance. Your failure to act within the legal timeframe is unacceptable and constitutes a clear violation of the FCRA. I expect this matter to be resolved immediately to avoid further legal escalation. 

Thank you for your prompt attention to this final request. Please send written confirmation of the deletion and actions taken to my address or email within 10 business days.

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