Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
This notice places Equifax, Experian, and TransUnion ( collectively, CRAs ), and all furnishers you rely upon, on immediate notice of ( XXXX ) identity-theft and unauthorized use of my trade name and trademark in commerce ; ( XXXX ) inaccurate, incomplete, and misleading reporting; and ( XXXX ) your failure to conduct a lawful, verified reinvestigation. You are directed to delete the disputed tradelines in perpetuity and to preserve all evidence for litigation. I. Unauthorized Use of Trade Name / Mark in Commerce You are not licensed to use my trade name and/or trademark in commerce for profit or gain, including but not limited to the sale, licensing, dissemination, and monetization of my consumer report ( XXXX ) and scores. Continued commercial use without written license constitutes unauthorized use and will be pursued under 15 U.S.C. 1125 ( a ) ( false designation/false endorsement ) and applicable state law. Demand : Immediately cease any marketing or resale of my file/score ( XXXX ) that references my trade name/mark, and confirm in writing within XXXX ( XXXX ) days. XXXX. Statutory Duties You Are Violating 15 U.S.C. 1681e ( b ) CRAs must employ reasonable procedures to assure the maximum possible accuracy of information. 15 U.S.C. 1681i Upon dispute, CRAs must conduct a reasonable reinvestigation and delete any item that can not be verified. 15 U.S.C. 1681c-2 ( FCRA 605B ) Upon identity-theft notice, CRAs must block the information within XXXX business days. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers shall not provide information they know or have reasonable cause to believe is inaccurate. Case Law Examples XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A reinvestigation that merely parrots the furnisher is unreasonable. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Failure to ensure accuracy supports punitive damages. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers are liable under 1681s-2 ( b ) for unreasonable investigations. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) Misleading reporting is actionable. XXXX. My Dispute, Identity-Theft & Trademark-Misuse Assertions I dispute every listed tradeline as inaccurate, incomplete, and/or unverifiable. Further : Identity-Theft/Unauthorized Use Certain accounts appear unauthorized. Under 605B, you must block them within XXXX ( XXXX ) business days. XXXX XXXX You are using my name/mark in commerce without license, consent, or authorization. Verification Standard Any verification absent documentary proof and a competent witness declaration under penalty of perjury is fraudulent. Accounting You must produce XXXX double-entry ledgers and respond under XXXX XXXX XXXX XXXX Required Verified Reinvestigation Verification must include : Original signed contract/application XXXXcompliant account XXXX Chain of title/assignment documents Payment histories and dispute archives Competent witness declaration under XXXX XXXX. XXXX Anything less than this is legally insufficient. V. Deletion/Blocking and Written Responses You must : Delete/Block unverifiable tradelines Provide a complete method of verification under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) Provide all documents relied upon Provide an updated corrected report VI. Litigation Hold & Remedies This notice serves as a litigation hold. Preserve all records, communications, and audit trails. If you fail to comply, I will pursue FCRA damages, XXXX XXXX claims, state fraud/unfair trade claims, punitive damages, costs, and attorneys fees. XXXX. Final Demand ( Deadlines ) XXXX ( XXXX ) days Delete/Block and confirm in writing XXXX ( XXXX ) days Provide full verification package XXXX ( XXXX ) business days Block identity-theft tradelines under XXXX Failure to comply will be deemed dishonor, willful negligence, and bad faith. XXXX. Credit Balances Over {$1.00} Must Be Returned to the Consumer 15 U.S.C. 1666d Further, every tradeline reporting a so-called balance fails to comply with 15 U.S.C. 1666d, which mandates that any credit balance in excess of {$1.00} must be refunded to the consumer upon demand. A credit balance arises whenever payments, offsets, or adjustments exceed the total owed. By failing to reflect these balances and instead misreporting a fictitious debt, you and your furnishers are : Violating 1666d by failing to return excess credit balances ; Violating 1681s-2 ( a ) ( 1 ) ( A ) by knowingly furnishing inaccurate information ; Engaging in misrepresentation actionable under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Each CRA and furnisher must immediately : Reconcile all accounts under XXXX double-entry ; Refund all net credits over {$1.00} ; Delete/Correct any tradeline that misreports balances. Failure will be treated as fraud, bad faith, and unjust enrichment, with full pursuit of statutory and punitive remedies. XXXX. Conclusion This is your final opportunity to cure. Any continued failure to comply will result in immediate litigation in federal court and regulatory complaints against all involved parties.

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