Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : Formal Demand for Resolution and Compensation Willful Noncompliance with Federal Regulations and Failure to Provide Method of Verification To Whom It May Concern, This letter serves as a formal and final demand for immediate resolution, full deletion of the account in question, and monetary compensation for Experians repeated, willful, and egregious noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and associated federal consumer protection statutes. 

I am addressing the following critical violations and misconduct : 1. Failure to Provide Method of Verification ( MOV ) : Experian has repeatedly returned the results of disputes with the vague, boilerplate status of Verified and Updated without ever providing the legally required method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I have demanded the original application or contract containing my wet signature to support the accuracy of the XXXX XXXX account ( Account # : XXXX ), and Experian has failed at least 30 separate times to provide it. 
2. Unlawful Interference in Dispute Handling : When I submitted this dispute via the CFPB portal, Experian unilaterally opened and modified the dispute without my express written consent, in violation of federal rules. This was done instead of responding to the CFPB inquiry by providing the requested method of verification or engaging in good faith review. 
3. Failure to Maintain Accurate Reporting : Experian continues to report outdated and unverifiable personal informationsuch as an address located at XXXX XXXX, which is over a decade olddespite repeated disputes to update or remove it. Maintaining this stale data is a clear violation of Experians duty under FCRA 607 ( b ) to ensure maximum possible accuracy of the information in a consumers file. 
4. Willful Noncompliance with FCRA : The consistent failure to investigate, update, and correct false, outdated, and unverifiable information, as well as failure to respond to direct disputes as required by law, constitutes willful noncompliance under FCRA 616. Experians pattern of abuse and negligence has resulted in continuous damage to my credit, financial standing, and peace of mind. 



DEMAND FOR RESOLUTION : I hereby demand the following within 15 days of receipt of this notice : Immediate deletion of the XXXX XXXX account ( Account # : XXXX ) from my credit file ; Immediate removal of any and all outdated and inaccurate personal information, including all addresses older than XXXX  years such as XXXX XXXX ; Provision of the full method of verification for the disputed XXXX XXXX account, including a copy of any original agreement or contract bearing my wet signature ; Written confirmation that Experian will cease unauthorized modification or initiation of disputes without my express written consent ; Compensation for damages caused by Experians willful noncompliance, in an amount to be negotiated or resolved through formal litigation if necessary. 



Failure to comply with the above within 15 days will result in immediate escalation of this matter via : Formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) ; Filing of civil suit in federal court for statutory, actual, and punitive damages under FCRA 616 and 617 ; Request for regulatory review into Experians dispute-handling policies and data integrity practices. 

You are hereby placed on notice of your legal liability. All further communications must be in writing. 

Sincerely, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX / Last Four # XXXX, if needed for verification ]

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