Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Federal Trade Commission XXXX FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Formal Complaint Against Experian for Violations of FCRA, FDCPA, and FTC Regulations Demand for Immediate Compliance and Compensation To Whom It May Concern, I am submitting this formal complaint against Experian Information Solutions , Inc. for its continued, willful, and egregious violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and Federal Trade Commission ( FTC ) regulations. 

Experian has deliberately disregarded federal consumer protection laws by failing to comply with my lawful and repeated requests for a Method of Verification ( MOV ) regarding an unverified XXXX XXXX tradeline that has remained on my credit report for over XXXX ( XXXX ) months, despite Experian being fully aware that Equifax removed the same tradeline due to a lack of required documentation. 

Despite my legal counsel submitting multiple disputes on my behalfaccompanied by legal identification and my wet signature confirming their authority to act as my legal representativeExperian has unjustly denied their submissions, obstructing my rights under federal law. 

Violations Committed by Experian : XXXX. Failure to Provide Complete and Proper Method of Verification ( MOV ) XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( iii ) Experian has failed to provide the required MOV, including, but not limited to : The name, address, and contact information of the entity that verified the tradeline. 
Copies of original contracts, correspondence, and phone call logs related to the verification of the disputed debt. 
Any documentation proving that Experian conducted a lawful and reasonable verification process. 
XXXX. Failure to Conduct a Reasonable Investigation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Experian has knowingly ignored evidence that XXXX XXXX can not provide supporting documentation for the disputed tradeline. The removal of the tradeline by Equifax proves that the tradeline lacks verification. 
XXXX. Reporting of Inaccurate and Unverifiable Information XXXX XXXX. XXXX ( b ) Experian has a legal duty to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Its continued reporting of the unverifiable XXXX XXXX tradeline is a blatant violation of this requirement. 
XXXX. Failure to Delete Unverifiable Information XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) The FCRA mandates that Experian delete any information that can not be verified. Since XXXX XXXX has failed to provide proper documentation, this tradeline must be removed immediately. 
XXXX. Unfair and Deceptive Trade Practices FTC XXXX, XXXX XXXX. XXXX Experians continued misrepresentation of the accuracy of this tradeline and its refusal to provide proper verification constitute deceptive business practices, warranting regulatory penalties. 
XXXX. Obstruction of Legal Counsel and Authorized Disputes XXXX XXXX. XXXX & XXXX ( a ) ( XXXX ) Experian has unlawfully refused to process disputes submitted by my attorney, Consumer Attorneys, despite my written authorization and wet signature granting them full authority. 
This obstruction is a direct violation of consumer rights and legal representation protections under federal law. 

Harm Caused by Experians Violations : Financial Harm : Experians refusal to remove the inaccurate tradeline has caused unnecessary credit score damage, leading to denials of financial opportunities. 
Reputational Damage : My creditworthiness has been misrepresented due to Experians negligence.

Legal Expenses : I have incurred legal costs due to Experians willful noncompliance. 

Demand for Immediate Resolution and Compensation : XXXX. Immediate deletion of the XXXX XXXX tradeline from my credit report due to its unverified and inaccurate status. 
XXXX. Immediate production of the full Method of Verification ( MOV ), including : The name, address, and contact information of the verifying entity. 
Copies of original contracts, correspondence, phone logs, and any supporting verification documentation. 
XXXX. An official response in writing confirming compliance within XXXX days of receipt of this complaint. 
XXXX. Acknowledgment and full acceptance of all future disputes from my legal representatives, Consumer Attorneys, without delay or obstruction. 
XXXX. Monetary compensation in the amount of {$25000.00} for willful noncompliance under XXXX XXXX. XXXX, which allows for statutory damages, punitive damages, and legal fees in cases of intentional FCRA violations. 

Formal Notification of Legal and Regulatory Action : Failure to comply with the above requests within XXXX days will result in : Immediate legal action against Experian for statutory violations. 
Formal complaints escalated to the CFPB, FTC, and state attorney general for enforcement action. 
Potential class-action litigation if a pattern of noncompliance is established. 

This formal complaint has been sent via certified mail and electronically to : XXXX My legal representatives at Consumer Attorneys I demand written confirmation of receipt and Experians full compliance with federal laws. Any further delay or obstruction will result in additional legal actions and penalties. 

Sincerely, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ Your Email : 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