Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Immediate Removal of Inaccurate Information Final Notice Before Legal Action This letter serves as your final warning and demand for the immediate deletion of the inaccurate information that you, Experian, continue to furnish on my credit report in clear violation of federal consumer protection laws. It is evident from the written documentation provided by XXXX XXXX XXXX that either Experian or XXXX XXXX XXXX ( or both ) have committed serious violations of the law, making me a victim of fraudulent activities perpetuated by your actions or inactions. 
Experian, your cover is blown. XXXX XXXX XXXX has explicitly stated that they instructed all credit reporting agencies to remove the accounts in question back in XX/XX/year>. Every other credit bureau has complied and removed the inaccurate information, except you. Experian, however, blatantly ignored this directive and insisted that the information on my report is accurate, which is a blatant lie. Your companys failure to act is not only unlawful but malicious, demonstrating your complicity with XXXX XXXX XXXX in knowingly furnishing false information to continue damaging my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Experian is legally required to furnish only accurate information. By refusing to correct this blatant error, you have directly violated my rights under this federal law. As a result, you are liable for the penalties associated with furnishing inaccurate information, as defined under 15 U.S.C. 1681n, including actual damages, statutory damages, punitive damages, and attorneys fees. Be aware that violations such as this allow for civil liability, and you are now directly involved in the legal case I am preparing against XXXX XXXX XXXX. 
Further, knowingly providing false information or refusing to investigate and correct errors constitutes willful noncompliance under the FCRA, subjecting you to heightened penalties. The documentation from XXXX XXXX XXXX proves that you have failed to comply with their instructions to remove the account. This kind of willful and reckless disregard for your legal obligations entitles me to seek punitive damages under the law. 
Additionally, your company has violated 15 U.S.C. 1681s-2 ( b ), which governs the duty of furnishers of information to investigate disputes. The law explicitly requires that upon notification of a dispute, the furnisher of the information ( in this case, XXXX XXXX XXXX ) must report the results of its investigation to all credit bureaus. XXXX did so, but you, Experian, failed to remove the inaccurate information. Your continuous negligence and willful misconduct are not only fraudulent but also punishable by law. 
Moreover, you have received my FTC Identity Theft Report, which legally obligated you to remove the accounts in question within four days of receiving that report. Yet, you have ignored the federal mandate under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) that compels you to act. Your blatant disregard for this legal requirement is another clear violation of my rights and needs to be corrected immediately. 
The following accounts must be removed IMMEDIATELY : XXXX XXXX Account XXXX : XXXX XXXX  Account No : XXXX I have attached the documentation from XXXX XXXX XXXX and the FTC Identity Theft Report along with my proof of identity. This will serve as your final warning before I proceed with legal action. You are complicit in the fraudulent reporting of this account, and your continued involvement as a co-conspirator with XXXX XXXX XXXX is unacceptable and illegal. 
Its clear that Experian is choosing to align with the interests of creditors, such as XXXX XXXX XXXX, over those of consumers. You are unlawfully profiting by maintaining inaccurate information on consumer reports, perpetuating a system that harms individuals like me and keeps them trapped in financial hardship. 
You have an obligation under federal law to provide fair and accurate information. By continuing to violate my rights, you have positioned yourself as a co-conspirator in this matter, and you will face the consequences. 
If you do not comply and delete the inaccurate information immediately, I will have no choice but to pursue a civil lawsuit against Experian in addition to XXXX XXXX XXXX. This will include claims for : Violations of the FCRA Furnishing inaccurate information Willful noncompliance Punitive damages for fraudulent reporting Remove the account referenced in this letter and all other accounts listed on the FTC affidavit immediately. Failure to do so will result in immediate legal action. 
This is your final opportunity to resolve this matter amicably. If you choose to continue your unlawful practices, you will be held accountable to the fullest extent of the law. 

Enclosures : XXXX XXXX XXXX XXXX FTC Identity Theft Report ( resubmitting ) Proof of Identity

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