Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT ( Submit at consumerfinance.gov/complaint ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Company Against Whom Complaint is Filed : Experian Information XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Date of Complaint : XX/XX/year> Summary of Complaint Experian Information XXXX, XXXX has willfully, recklessly, and repeatedly violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, by knowingly and negligently reporting false, inaccurate, and unverifiable credit information about my business entitiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These acts have directly caused catastrophic financial harm and irreparable damage to my companys reputation and operational capacity. 

Despite multiple certified, documented demands for immediate correction and deletion of erroneous data, along with statutory damages totaling {>= $1,000,000} USD, Experian has exhibited willful noncompliance, effectively obstructing justice and flagrantly disregarding federal law and consumer protections. 

Detailed Allegations 1. Willful and Reckless Violation of FCRA and Related Statutes Experian violated 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( 1 ) ( duty to reinvestigate disputed information ), 1681s-2 ( b ) ( duty to correct inaccuracies ), 15 U.S.C. 1681c-2 ( blocking obsolete information ), and 15 U.S.C. 1681m ( notice of adverse action ), with full knowledge and intent to evade responsibility. This is a deliberate pattern and practice of noncompliance, evincing bad faith and willful misconduct under FCRA Section 623, enforceable via 15 U.S.C. 1681n and 1681o ( statutory and punitive damages ).

2. Failure to Conduct Meaningful Reinvestigation Under 15 U.S.C. 1681i Despite multiple disputes submitted via certified mail, Experian failed to conduct any bona fide, reasonable reinvestigation as mandated by federal law, continuing to maintain and disseminate materially false, misleading, and damaging credit data in violation of the Fair Credit Reporting Acts Reasonable Procedures Requirement. 

3. Gross Negligence and Willful Misconduct Resulting in Catastrophic Business Harm The inaccurate credit reporting caused immediate denials of critical financing, partnerships, and contracts, resulting in over {>= $1,000,000} USD in direct, verifiable losses. This constitutes gross negligence and willful misconduct as defined under 15 U.S.C. 1681n, with entitlement to compensatory, punitive, and statutory damages, plus attorneys fees and costs. 

4. Violation of the Consumer Financial Protection Act ( CFPA ) and Dodd-Frank Act Experians sustained failure and refusal to comply with consumer protection laws constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) subject to CFPB enforcement under 12 U.S.C. 5531, 5536, and the XXXX XXXX XXXX XXXX and Consumer Protection Act.

5. Obstruction of Justice and False Statements in Violation of 18 U.S.C. 1001 Experians refusal to correct or communicate after receipt of a self-notarized, certified demand letter constitutes willful obstruction of justice, false statements, and fraudulent concealment in a federally regulated consumer protection context. 

XXXX. Violation of State and Federal Unfair Trade Practices Acts In addition to federal violations, Experians conduct breaches multiple state UDAP statutes and common law fiduciary duties owed to consumers and businesses in the credit reporting ecosystem. 

Relief and Remedies Sought Immediate deletion and full correction of all inaccurate, unverifiable, and derogatory tradelines and information per 15 U.S.C. 1681i, 1681s-2, and 1681c-2.

Payment of {>= $1,000,000} USD in statutory, compensatory, and punitive damages pursuant to 15 U.S.C. 1681n and 1681o, plus attorneys fees, litigation costs, and interest.

Formal CFPB investigation and enforcement action including civil money penalties under 12 U.S.C. 5565 and 5566. 

Permanent injunctive relief prohibiting further violations against my business and requiring enhanced compliance and audit procedures. 

Referral for criminal prosecution under 18 U.S.C. 1001 for willful false statements and obstruction.

Comprehensive independent audit of Experians consumer dispute handling, reinvestigation, and compliance mechanisms per CFPB regulatory mandates under 12 C.F.R. Part 1022 and related guidelines. 

Supporting Documentation Certified Final Legal Demand Letter ( Self-Notarized ) Verified Credit Report Errors and Correspondence ( Exhibit A ) Verified Business Loss and Damage Summary ( Exhibit B ) Proof of Identity and Business Address USPS Certified Mail Receipts and Delivery Confirmation Declaration : I, XXXX XXXX XXXX XXXX XXXX under penalty of perjury pursuant to 28 U.S.C. 1746 that the foregoing is true and correct to the best of my knowledge and belief. I assert my full rights and remedies under the Fair Credit Reporting Act, Consumer Financial Protection Act, and all applicable federal and state laws. I demand immediate enforcement of my statutory rights and remedies. 

Signature : XXXX XXXX XXXX XXXX : XX/XX/scrub>XXXX 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