Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Notice of Intent to Sue Credit Reporting Agencies for Violations of the FCRA This letter serves as formal notice to the Consumer Financial Protection Bureau ( CFPB ) that I have issued an Intent to Sue letter to the following credit reporting agency Experian, due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Violations Committed by the Credit Reporting Agencies 1. ) Inaccurate Reporting Failure to ensure the maximum possible accuracy of information on my credit file.

2. ) Failure to Investigate Disputes Neglecting to properly investigate disputes submitted with supporting evidence.

3. ) Failure to Provide Investigation Reports Under the FCRA, credit reporting agencies must provide consumers with details on how an investigation was conducted. Despite my repeated requests via mail, I have never received a proper investigation report outlining how my disputes were reviewed or resolved.

4. ) Failure to Delete Unverified Information The FCRA requires companies to delete disputed, unverified information from consumer reports. However, my disputes have not resulted in the removal of unverified data.

5. ) Providing Inaccurate Information to Third Parties Companies must not furnish inaccurate information to credit reporting agencies, yet false and unverified data continues to appear on my credit report. 6. ) Selling Personal Information Unauthorized sale or sh
aring of my personal and financial information without my consent.

7. ) Privacy Infringement Failure to uphold privacy rights and implement adequate security measures.

8. ) Failure to Provide Adequate Notice of Data Breach Failing to notify me of any breaches that may have compromised my personal information.

9. ) Lack of Transparency and Full Disclosure Withholding critical information regarding how my data is handled, who has accessed it, and whether it has been sold or misused.

10. ) Failure to Investigate Identity Theft Despite multiple reports and supporting evidence, the agencies failed to take appropriate action to investigate identity theft, leaving fraudulent accounts and inquiries on my credit report.

11. ) Failure to Remove Information Within the FCRA Timeframe The agencies did not correct or remove inaccurate and disputed information within the legally required timeframe under the FCRA.

12. ) Lack of Opportunity to Cure Denying me the chance to correct and dispute inaccurate information before continuing to unlawfully report it, directly harming my creditworthiness.

Additional Attachments and Demands I have attached a formal request for the following actions, which must be completed within the 30-day timeframe provided : 1. ) Evidence of Late Payments The credit reporting agencies have failed to provide any documentation or proof of late payments associated with my credit report. If you are unable to provide supporting evidence, the information must be removed immediately as required by law.

2. ) Removal of Personal Information I demand the immediate removal of any personally identifiable information that has been improperly stored, shared, or sold without my explicit consent.

3. ) Correction of Incorrect Name Listings My credit report contains incorrect variations of my name, which have contributed to the misreporting of financial information. I demand these inaccuracies be corrected or removed immediately.

FCRA Compliance Demands Per pre-litigation requirements, I am granting a 30-day period for the following actions : 1. ) Immediate removal of all inaccurate and unverifiable information from my credit file.

2. ) Full compensation for each FCRA violation, including every instance of inaccurate reporting, failure to investigate disputes, and unauthorized sale or misuse of my personal data.

3. ) Full disclosure regarding how my data has been stored, shared, and whether it has been affected by any security breaches.

4. ) A complete investigation report detailing how each of my disputes has been reviewed and resolved, as required by the FCRA.

5. ) Confirmation of the investigation into identity theft and a written statement outlining why fraudulent information was allowed to remain on my report despite my prior disputes. 
If these matters are not fully addressed within 30 days from the date of this notice, I will proceed with filing a federal lawsuit against each agency for their failure to comply with federal law and for the damages caused by their negligent and unlawful actions. 

I request that the CFPB acknowledge receipt of this notice and take immediate action to hold these agencies accountable. I expect full compliance within the given timeframe to avoid further legal escalation. 

I have sent letters, ID, Proof of FTC reports on several occasions and each time this company states they are unable to verify me and request the same documents again, then close the CFPB complaint stating a letter will be set and it is ever sent. I am not sure what the company is doing with all the information I have sent, but there has been no resolution.

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