Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Legal Notice of Willful Noncompliance and Imminent Action This is an update and escalation of my original FCRA dispute submitted through the CFPB on XX/XX/XXXX. On XX/XX/XXXX, I spoke by phone with a XXXX representative who verified my identity, confirmed my dispute was received, and issued reference number XXXX. In a separate call, nearly XXXX minutes later from a private number, the same XXXX representative then informed me that XXXX will not reopen the case, even though the dispute originated from my personal CFPB account, a government-verified channel that requires a response under federal law. 

This response or rather, deliberate refusal to act constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681i and 1681n, which mandates that a credit bureau reinvestigate disputes submitted by the consumer regardless of whether they also call or send documentation by mail. 

XXXX attempt to sidestep its legal obligation by pretending this was an unauthorized dispute is false, deceptive, and demonstrably disproven by the call itself, which confirmed that my identity was valid and verified. 

Your Legal Deadline XXXX received the original dispute on XX/XX/XXXX. 

Under the FCRA, you have 30 days to complete a reinvestigation. 

That deadline is XX/XX/XXXX. 

You are hereby on notice that if no full response or resolution is provided by that date, I will pursue legal action. 

Enumerated Violations and Damages ( Statutory {$1000.00} per Item ) The following unresolved issues all supported by verifiable documentation remain on my XXXXXXXX consumer report. Each is an independent violation : 1. Incorrect Name Reporting Omission of suffix III from my legal name : {$1000.00} 2. Incorrect Mailing Address Failing to reflect updated mailing address : {$1000.00} 3. Multiple Unrecognized Installment Loans Nine ( 9 ) unauthorized loan applications from XXXX : {$9000.00} XXXX. Conflicting Date of Birth Conflicting DOB ( listed as XX/XX/XXXX vs. correct XX/XX/XXXX ) : {$1000.00} XXXX. Incorrect Drivers License Number Wrong DL ending in XXXX, mine ends in XXXX : {$1000.00} XXXX. Inaccurate Address History Five ( 5 ) additional invalid addresses reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( note : possibly a duplicate error ) XXXX XXXX XXXX XXXX  Subtotal : {$5000.00} 7. Conflicting Property Status Report lists both RENT and OWN entries without documentation : {$1000.00} XXXX. Inaccurate Phone Numbers XXXX and XXXX ( multiple listings ) : {$2000.00} XXXX. Unrecognized Email Addresses XXXX and XXXX : {$2000.00} XXXX. Incorrect Employer Information Fraudulent listing of the XXXX XXXX as my employer : {$1000.00} XXXX. Unrecognized Banking Information Three ( 3 ) unknown banks with full routing/account info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subtotal : {$3000.00} Total Statutory Damages to Date : {$28000.00} This does not yet include punitive damages, which I will seek in court if this is not resolved in good faith by XX/XX/XXXX. 

Final Demand XXXX is now formally on notice that it is engaged in willful noncompliance under the FCRA. If this matter is not fully reinvestigated and resolved within 30 days of your original receipt ( by XX/XX/XXXX ), I will proceed with : Filing a civil suit in federal court for each itemized violation under 1681n Seeking actual, statutory, and punitive damages Requesting attorneys fees and court costs Filing complaints with the FTC, State Attorney General, and Congressional Oversight Your actions are not only negligent they are obstructionist, unlawful, and complicit in the identity theft currently plaguing my credit report. I demand immediate compliance.

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