Consumer complaint received 2025-04-02 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Global Data Breach Resolution & Consumer Protection Experian, XXXX XXXX XXXX, XXXX, TX XXXX Cc : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General RE : FINAL NOTICE BEFORE LITIGATION IMMEDIATE DEMAND FOR CORRECTION OF FRAUDULENT CREDIT REPORTING AND FEDERAL VIOLATIONS To the Entire Executive and Legal Leadership at Experian plc : I am writing to put your institution on its final legal notice. Your continued refusal to address the fraudulent and inaccurate data on my credit report has left me financially crippled and emotionally distressed. Youve ignored the law, ignored your responsibilities, and now you will no longer be allowed to ignore me. 

Let this letter serve as an unequivocal declaration : if you do not comply within FOUR ( 4 ) BUSINESS DAYS, I will initiate federal litigation against Experian, and each named executive above will be listed in that lawsuit individually and collectively for willful, reckless, and grossly negligent behavior.

You have knowingly and repeatedly violated federal consumer protection laws, and those violations have caused me irreversible financial damage, blocked credit opportunities, and devastated my livelihood. Your inaction is not a mistakeit is a strategy. And that strategy ends now.

EXPERIANS DOCUMENTED VIOLATIONS : 1. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation into fraudulent accounts. Your reliance on the e-OSCAR system is a legal failure to fulfill your duty of diligence.

2. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block identity theft-related accounts within the legally mandated 4-business-day window. This is an outright breach of federal statute.

3. 15 U.S.C. 1681e ( b ) Refusal to ensure maximum possible accuracy. You continue reporting verified errors.

4. 15 U.S.C. 1681b Unauthorized credit inquiries remain, despite formal dispute and legal demand.

5. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion of previously disputed items without legally required written notification.

6. FACTA Violations Failure to protect consumer data in recent breaches.

7. Section 5 of the FTC Act Engaging in deceptive, unfair, and harmful practices against consumers.

YOU ARE OFFICIALLY BEING PLACED ON LEGAL NOTICE As of the date of this letter, you are legally and personally liable for : Actual damages Ive suffered from your inaction Statutory damages as provided by 15 U.S.C. 1681n Punitive damages for willful and reckless disregard Attorneys fees, court costs, and full discovery motions If I must take you to court, I will expose every internal policy, every mishandled dispute, and every wrongful denial that proves this is not just a mistakethis is a business model built on systemic fraud.

Your company has already paid millions in fines and settlements. I am not just prepared to add to that totalI am determined to.

DEMANDS ACTION REQUIRED WITHIN FOUR ( 4 ) BUSINESS DAYS : 1. Immediate and permanent deletion of the following items, which are inaccurate, unverifiable, and/or fraudulent ( see full list below ).

2. Removal of all unauthorized inquiries explicitly listed and previously disputed.

3. Cessation of all reporting activity related to any account flagged as fraudulent or disputed.

4. No automated or electronic replies. Only a written, mailed response from a named Experian legal representative will be accepted.

5. Formal confirmation that Experian has acknowledged and resolved each violation.

YOU HAVE BEEN WARNED. LITIGATION IS NEXT. 

If no satisfactory response is received by XX/XX/XXXX, I will file suit in federal court and pursue : Maximum statutory and punitive damages A formal complaint with the CFPB, FTC, and State Attorney General Public exposure of your internal misconduct through discovery You have already proven you do not take your legal obligations seriously. Now you will be forced to. 



DISPUTED & FRAUDULENT ITEMS IMMEDIATE DELETION REQUIRED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Incorrect personal data 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect personal data XXXX. XXXX XXXX Acct # XXXX Billing error ; must be corrected XXXX. XXXX Acct # XXXX Billing error ; must be corrected XXXX. XXXX XXXX XXXX Acct # XXXX Litigation, re-aged, and inserted without notice 6. GET IT NOW Acct # XXXX Litigation, reporting violations 7. THE GENERAL Acct # XXXX Re-aged and misreported ; must be removed XXXX. XXXX XXXX XXXX Acct # XXXX Multiple FCRA violations XXXX. XXXX XXXX XXXX Acct # XXXX Re-inserted unlawfully

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