Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This letter serves as my * * final, formal demand * * for the * * immediate removal * * of the following * * fraudulent, unauthorized, and inaccurate accounts * * currently reported on my Experian credit file : XXXX. * * XXXX * XXXX Charge Account Account Number : XXXX * \ * \ * \ * \ * \ * \ * \ * \ * \ * ( Collection Status ) XXXX. * * XXXX XXXX * * ( Original Creditor : T MOBILE ) Account Number : XXXX * \ * \ * ( Collection Status ) These accounts were * * never opened or authorized by me * *. They are * * fraudulent in origin * *, and the information being reported is * * incomplete, inaccurate, and unverifiable * *. I have * * submitted multiple written disputes over the past several months * *, and * * Experian has failed to take any corrective action * * a continued violation of * * federal law * * and * * industry-standard XXXX XXXX guidelines * *. 

VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) Experian is in * * clear and willful violation * * of the following provisions : * * * XXXX XXXX  XXXX ( a ) : * * You are required to * * reinvestigate disputed information within XXXX days * * and remove anything that is * * incomplete, inaccurate, or not verifiable * *. Your failure to act after months of disputes violates this statute. 

* * * XXXX XXXX. XXXX ( b ) : * * You must follow procedures to ensure the * * maximum possible accuracy * * of all data. Continuing to report accounts you can not verify or that contain known inaccuracies is * * illegal * *. 

* * * XXXX XXXX. XXXX ( a ) : * * Under the * * identity theft protections * * of the FCRA, XXXX have the right to * * block and permanently remove fraudulent information * *. These accounts fall under that category. 

XXXX XXXX COMPLIANCE FAILURES As a nationwide Credit Reporting Agency, Experian is obligated to follow the * * XXXX XXXX Format * *, created by the * * XXXX XXXX XXXX XXXX ( XXXX ) * *. The XXXX XXXX system requires : * All account data to be * * complete, accurate, timely, and verifiable * * * That disputed or fraudulent data * * be deleted * * if it can not be verified * Accurate use of * * consumer dispute codes and fraud indicators * * ( e.g., Code XB ) The XXXX accounts listed above fail to meet these requirements. Maintaining these records in their current state represents a * * violation of XXXX XXXX compliance * * and * * negligent data furnishing * *. 

RECENT LEGAL ACTION AGAINST EXPERIAN Your company has already been * * legally penalized * * for behavior matching my current experience : * In * * XXXX * *, Experian was named in several lawsuits including XXXX class action suit where plaintiffs claimed Experian * * continued to report inaccurate, disputed data despite prior notices * *. Experian was found in violation of * * XXXX * * for failure to properly investigate and remove data. 
* In * * XXXX * *, the * * Consumer Financial Protection Bureau ( CFPB ) * * sanctioned Experian for * * deceptive credit reporting practices * *, resulting in * * XXXX in penalties * * and mandating * * reform of dispute procedures * * yet my repeated disputes remain ignored. 

Your companys * * pattern of willful noncompliance * * has been documented and legally addressed before. This letter is your final opportunity to correct my report before I pursue the same path of escalation. 

FINAL DEMAND & NOTICE OF INTENT TO ESCALATE You are now * * legally obligated * * to do the following : * * * Immediately delete * * the XXXX fraudulent accounts listed above from my Experian credit report * * * Provide written confirmation of deletion within XXXX calendar days * * If you fail to comply, I will immediately : * File a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * * Report your failure to act to the * * Office of the State Attorney General * * * Pursue * * civil legal action * * under * * XXXX XXXX  XXXX and XXXX * *, which provide for : * * * Actual and statutory damages * * * * * Punitive damages * * * * * Attorneys fees and court costs * * I have * * retained all records * * of my previous disputes and correspondence. Experian 's continued refusal to comply places your company in * * direct legal jeopardy * *. 

* * CC : * * Consumer Financial Protection Bureau Sincerely, 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