Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent. 

IN THE XXXX XXXX XXXXXXXX XXXX FOR THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plaintiff, v. 

Experian Information Solutions , Inc., Defendant.

Civil Action No. : _________to be assigned _____________ COMPLAINT AND DEMAND FOR JURY TRIAL Plaintiff XXXX XXXX XXXX XXXX " Plaintiff '' ), brings this Complaint against Defendant Experian Information Solutions , Inc. ( " Experian '' ), and alleges as follows : I. JURISDICTION AND VENUE 1. This Court has subject matter jurisdiction under 28 U.S.C. 1331 and 15 U.S.C. 1681p as this action arises under the Fair Credit Reporting Act ( " FCRA '' ).

2. Venue is proper in this district under 28 U.S.C. 1391 ( b ), as a substantial part of the events giving rise to Plaintiff 's claims occurred within this district.

II. PARTIES 3. Plaintiff XXXX XXXX XXXX is a natural person and resident of XXXX, Georgia, residing at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX. 
4. Defendant Experian Information Solutions , Inc. is a foreign corporation registered to do business in Georgia with its principal place of business at XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

III. FACTUAL ALLEGATIONS 5. Plaintiff placed an initial fraud alert on his credit file, notifying Experian that his personal information had been compromised.

6. Despite repeated written disputes, Experian reported inaccurate names, addresses, and a fraudulent XXXX XXXX tradeline. 
7. Experian re-verified the false tradeline and identities multiple times without conducting a reasonable reinvestigation. 
8. XXXX is no longer the holder of the debt, and Plaintiff has confirmed with the third-party collector that no contract or signature exists tying him to the account.

9. Experian refused to remove the tradeline even after reporting it as fraudulent in responses to CFPB complaints.

10. Plaintiffs legal counsel submitted disputes with proper identification and authorization ; Experian rejected them without cause.

11. Experian added a second security alert to Plaintiffs file without his request or consent.

12. Experians willful failure to delete false information has resulted in loan denials, eviction proceedings, and loss of personal and business opportunities.

13. On or about XX/XX/year>, Experian responded to Plaintiff 's renewed dispute with false statements claiming address and name information was sourced from credit furnishers and public records, despite long-standing notice of fraud.

14. Experians continued reinsertion and refusal to delete known false information contradicts its obligations under FCRA, and its own prior acknowledgments of possible fraud in CFPB filings.

IV. CLAIMS FOR RELIEF Count One : Violation of FCRA 15 U.S.C. 1681i 15. Experian failed to conduct a reasonable reinvestigation after Plaintiff disputed inaccurate information.

16. This failure constitutes a violation of 15 U.S.C. 1681i.

Count Two : Violation of FCRA 15 U.S.C. 1681e ( b ) 17. Experian failed to follow reasonable procedures to assure maximum possible accuracy of the information in Plaintiffs credit file.

18. This violation has directly harmed Plaintiff.

Count Three : Willful Noncompliance 15 U.S.C. 1681n 19. Experians conduct was willful and intentional, entitling Plaintiff to statutory and punitive damages.

Count Four : Negligent Noncompliance 15 U.S.C. 1681o 20. Alternatively, Experian acted negligently in its handling of Plaintiffs disputes, warranting compensatory damages.

V. PRAYER FOR RELIEF WHEREFORE, Plaintiff respectfully requests that this Court : a ) Award actual damages in an amount to be proven at trial, including emotional distress and economic losses ; b ) Award statutory and punitive damages pursuant to 15 U.S.C. 1681n in an amount not less than {>= $1,000,000} ; c ) Award reasonable attorneys fees and costs ; d ) Order the deletion of all inaccurate, unverifiable, and fraudulent items from Plaintiffs credit file, including all names and addresses other than XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ' ; e ) Grant such other and further relief as the Court deems just and proper. 

Plaintiff hereby demands a trial by jury on all issues so triable. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX Plaintiff

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