Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : URGENT NOTICE FAILURE TO REMOVE FRAUDULENT XXXX ACCOUNT FROM MY CREDIT REPORT IN VIOLATION OF THE FCRA & NEGLIGENCE RESULTING IN DAMAGES Dear XXXX XXXX and Experian XXXX Leadership, I am writing this letter with deep frustration and despair regarding your continued and willful refusal to remove a fraudulent XXXX account from my credit report despite my ongoing disputes over the past four years. Your blatant negligence and noncompliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), has irreparably harmed my financial standing, credibility, and emotional well-being. 

I will go public letting the general public know about XXXX XXXX and experian negligence on my behalf. I have XXXX XXXX XXXX account and will go public on all Major platforms XXXX, XXXX, and XXXX Experian has Ruined my life!!!!!!!!!! 

Here are the Disputed dates with experian which all came back verified. I have ask for a written response over 10 times and a detailed layout of how was this account verified if its fraudulent.. who did experian speak with.. I got no response!! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My experian Report Number XXXX XXXX Bank Account number XXXX Date opened XX/XX/XXXX Balance {$230.00} Notes : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 



You stated that this account was verified. How was it verified? Who did you speak with? What paperwork with my wet ink signature that verified this was my account. 


My experian Report Number XXXX XXXX Bank Account number XXXX Date opened XX/XX/XXXX Balance {$230.00} Notes : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 


Ive asked for written documentation from experian and proof in writing that the fraudulent debt was mine. I have not been provided that in 4 years. 


Pursuant to my rights under the terms and conditions of Experians services.

I do not consent to Experians arbitration clause and wish to ensure that any future disputes regarding my consumer rights, credit reporting, or any related matters are resolved through the appropriate legal and regulatory channels, rather than forced arbitration. Ive also sent in a written opt out clause. 


Despite multiple disputes, Experian has failed to provide me with any written documentation detailing the steps taken to investigate and verify the fraudulent nature of this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), Experian was obligated to block the reporting of fraudulent information within four business days of receiving my request, provided I supplied appropriate documentation, which I have done multiple times. Your continued refusal to do so is an outright violation of federal law. 

Additionally, your subsidiary, Clarity Services, has engaged in misreporting my consumer information, further compounding the damage. Clarity Services, which provides alternative credit data under Experians ownership, has inaccurately reported information that does not belong to me, thereby exacerbating my financial distress.

Material Harm and Devastating Consequences The continued reporting of this fraudulent account has had catastrophic and life-altering consequences for me : 1. Destroyed Creditworthiness I have been denied essential credit opportunities, including mortgages, auto loans, and lines of credit, due to Experians willful refusal to remove this fraudulent account.

2. Emotional and Psychological Distress The financial hardship caused by this ongoing dispute has resulted in extreme stress, anxiety, and emotional suffering.

3. Career and Housing Limitations Several employment and housing opportunities have been lost due to Experians refusal to correct my credit report.

This behavior mirrors Experians well-documented history of noncompliance with consumer protection laws, as evidenced by multiple legal actions taken against your company. In 2023, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$650000.00} for failing to adequately respond to consumer disputes. Additionally, the Federal Trade Commission ( FTC ) has repeatedly cited Experian for violating the FCRA, further confirming a pattern of negligence and willful noncompliance. 

Legal Action & Demand for Immediate Resolution Given Experians blatant failure to comply with 15 U.S.C. 1681c-2, 1681i ( a ) ( 6 ), and 1681s-2, I have initiated legal action against Experian, Clarity Services, and you personally, XXXX XXXX, for negligence and willful FCRA violations. Your refusal to properly investigate and correct my credit file constitutes : Negligent and Willful Noncompliance under FCRA ( 1681n and 1681o ) Failure to Block Fraudulent Information ( FCRA 605B ) Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) Demand for Immediate Action I demand immediate removal of the fraudulent XXXX account from my credit report and full compliance with the FCRA. In addition, I request : 1. A detailed, written explanation outlining the specific methods used by Experian to verify this fraudulent debt.

2. Copies of all communication between Experian and XXXX regarding the disputed account. 
XXXX. A formal written response acknowledging your compliance with FCRA 605B within 10 days.

Should Experian and Clarity Services fail to take immediate corrective action, I will pursue further legal action, regulatory complaints, and media exposure regarding your companys continuous consumer rights violations. I have already filed complaints with the CFPB, FTC, and my state attorney generals office. 

Experians continued indifference to consumer protection laws and reckless disregard for financial harm inflicted upon individuals is abhorrent. Your failure to rectify this matter will result in further legal consequences. 


Will be filing law suit in 3 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