Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Final Notice Before Lawsuit Willful FCRA Violations, Fabricated Dispute Results, and Failure to Remove Inaccurate Accounts TO WHOM IT MAY CONCERN : This letter serves as formal notice to Experian Information Solutions , Inc. regarding serious and willful violations of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Consumer Financial Protection Laws. Experian has engaged in deceptive dispute practices, fabricated investigation results, and failure to remove inaccurate accounts.

If Experian does not immediately correct these violations and comply with federal law, I will file a federal lawsuit seeking : {$1000.00} per violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) for willful FCRA noncompliance. 
Actual damages for financial harm caused by Experians misreporting and sham dispute process.

Punitive damages for Experians pattern of reckless and deceptive reporting.

Attorneys fees and costs under 15 U.S.C. 1681n ( a ) ( XXXX ). 

Violations Committed by Experian 1. Fabricated Dispute Results & Deceptive Reporting Experian removed XXXX XXXX and XXXX XXXX Bank from my credit report without issuing proper dispute results, violating 15 U.S.C. 1681i ( a ) ( 6 ). No notification was provided regarding their removal, which proves Experian is manipulating dispute records without following proper reinvestigation procedures.

2. Failure to Remove Inaccurate Accounts ( XXXX and XXXX XXXX ) Despite clear evidence proving factual inaccuracies, Experian refuses to remove XXXX and XXXX XXXX, while XXXX has already deleted similar accounts from my report. This violates 15

U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), which require Experian to delete or correct unverifiable information. 3. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable investigation of disputed accounts. However, Experian blindly relies on unverified information from furnishers, allowing creditors to dictate what remains on my credit reportwithout any documented proof of accuracy. 
4. Failure to Provide Dispute Notices & Results Under 15 U.S.C. 1681i ( a ) ( 6 ), Experian must notify consumers of dispute results within five business days. Not only has Experian failed to provide dispute results for XXXXXXXX XXXX  and XXXX XXXX XXXX, but it also ignored my right to receive formal verification for XXXX and XXXX XXXX. 
5. Willful Noncompliance & Regulatory Violations Experians reckless disregard for federal laws mirrors the violations outlined in CFPB v. Experian ( Case No. XXXX ), where Experian was sued for sham dispute processes, automated reinvestigations, and failure to ensure maximum accuracy. 

Settlement Offer Before Litigation I am offering Experian an opportunity to settle this matter before proceeding with legal action. I demand : 1. Immediate removal of XXXX and XXXX XXXX from my credit report. 
2. Written verification

of Experians reinvestigation procedures. 3. A formal response within 10 days, or I will file suit in federal court seeking the full statutory and punitive damages allowed under the law.

Failure to comply will result in a federal lawsuit against Experian for FCRA violations, deceptive dispute practices, and financial harm caused by Experians misconduct.

This is your final warningtake immediate corrective action or face legal consequences. 

Sincerely, 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