Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Compliance Director Experian Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : URGENT LEGAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ADDRESSES FINAL NOTICE BEFORE LITIGATION Dear Compliance Director, This letter serves as my formal and final demand for the immediate removal of fraudulent and inaccurate addresses from my Experian credit file. Your failure to uphold federal and state consumer protection laws constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) regulations, and consumer rights enforced by the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals office. 

For identification purposes, my information is as follows : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Upon review of my credit report, I have identified multiple fraudulent, erroneous, and unauthorized addresses that you are illegally reporting. I have never resided at, received mail at, nor used these addresses in any financial or credit-related capacity. As such, they must be permanently removed from my credit report immediately as they constitute misinformation, potential identity theft indicators, and violations of my rights under federal law. 

The inaccurate and fraudulent addresses that must be deleted immediately are : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX LEGAL BASIS FOR REMOVAL EXPERIANS LIABILITY Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain maximum possible accuracy in consumer reports. Continuing to report fraudulent information after notification is a willful violation of my rights. 

Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate, unverifiable, or fraudulent must be deleted within 30 days of a dispute. Since I am formally asserting that these addresses are fraudulent, Experian must act immediately or face legal repercussions.

Pursuant to 15 U.S.C. 1681c-2, I am invoking my right to block fraudulent information from appearing in my credit file. Any failure to comply with this federal mandate will result in swift legal action.

Additionally, the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) have issued clear regulatory guidelines requiring consumer reporting agencies to promptly investigate and remove fraudulent information upon request. If Experian refuses to comply, I will escalate this matter to both agencies, as well as to my State Attorney General for enforcement action.

FINAL NOTICE 4 DAYS UNTIL LEGAL ACTION This letter serves as Experians final warning. If the fraudulent addresses are not removed within four ( 4 ) calendar days from the date of this letter, I will have no choice but to : 1. File a formal complaint with the FTC, CFPB, and my State Attorney General regarding Experians noncompliance and reckless disregard for federal consumer laws.

2. Pursue civil litigation against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ), negligence, defamation of character, and financial damages resulting from inaccurate reporting.

3. Seek statutory and punitive damages per 15 U.S.C. 1681n, which allows consumers to recover up to {$1000.00} per violation, plus attorneys fees and court costs.

I am enclosing a copy of my identification and proof of address to assist in your verification process.

Failure to comply with this demand will result in immediate legal action against Experian. I expect written confirmation that these fraudulent addresses have been permanently removed from my credit report no later than four ( 4 ) days from receipt of this letter. 

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