Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : [ XXXX ] To : Compliance Department Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Immediate Refund and Compensation Willful Violation of Regulation Z and E, Fraudulent Debit, and Deceptive Conduct Dear Experian Legal and Compliance Department, This letter constitutes formal notice and final demand for immediate corrective action, restitution, and compensation regarding your companys willful, egregious, and unlawful violations of federal law as governed by Regulation Z ( 12 CFR 1026 ) under the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ), and Regulation E ( 12 CFR 1005 ) under the Electronic Fund Transfer Act ( 15 U.S. Code 1693 et seq. ). 

Despite properly canceling my services with Experian on Saturday, [ insert exact date ], your company proceeded to fraudulently debit my XXXXXXXX XXXX account several days later, after multiple failed attempts. These actions occurred while my card was lockedwhich rendered any such debit not only unauthorized but legally impermissible under both Regulation Z and Regulation E. 

Furthermore, to this day, I have not received access to my credit file, neither at the free level nor premium tier, despite the unauthorized charge. This failure to provide servicesfollowing both cancellation and unlawful billinghas resulted in serious harm and disruption to my personal and business credit operations, with direct consequences to current and ongoing ventures. 

When I contacted your customer service department to report these violations, I was met with deceitful and inappropriate conduct. The representative I spoke with accused me of dishonesty and falsely stated that no attempted or successful debits had occurreddespite clear records from my financial institution proving otherwise. 

As a result of this compounded misconduct and regulatory breach, I hereby demand the following : 1. Immediate refund of the unlawful debit in full ; 2. Immediate restoration of full access to my credit file, both free and premium, at no further cost ; 3. A formal written explanation of your internal investigation into the unauthorized transaction ; 4. Cease and desist from any further unauthorized attempts to debit my account ; 5. Compensation in the amount of {$25000.00} for : Violations of Regulation Z and Regulation E, Deprivation of service post-cancellation and post-debit, Harm caused to my personal and business credit activities, The unprofessional and deceptive behavior of your customer service representative. 

Please be advised that I have already reported this fraudulent activity to my bank, and I am in the process of filing formal complaints with the Federal Trade Commission ( FTC ) and the Attorney General of [ Your State ]. Should you fail to comply within seven ( 7 ) days from the date of this letter, I will pursue all available legal remedies, including but not limited to formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and civil legal action seeking full restitution, statutory damages, injunctive relief, and legal fees. 

You are expected to respond in writing and resolve this matter without delay. 

Sincerely, [ 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