Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX  Final Notice : XXXX XXXX IMMEDIATE REMOVAL XXXX XXXX  of Fraudulent Accounts or Full Disclosure of Verification Under XXXX XXXX  15 U.S.C. 1681c-2 XXXX XXXX  To Whom It May Concern : * * I am formally demanding XXXX of XXXX actions under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX Immediate deletion of the fraudulent accounts listed below XXXX XXXX under XXXX XXXX  15 U.S. Code 1681c-2 XXXX XXXX or 2. XXXX XXXX Full disclosure of your method of verification, steps taken to investigate, and legally admissible proof of debt XXXX XXXX under XXXX XXXX  15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) XXXX XXXX 

This is my XXXX XXXX XXXX  and final dispute XXXX XXXX Your prior failures to comply with federal law have left me no choice but to escalate this matter to regulatory agencies and federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts Demanding Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status XXXX XXXX XXXX  Fraudulent charge-off ( {$1000.00} ) XXXX XXXX XXXX Violation : XXXX XXXX Opened without my knowledge, consent, or benefit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fabricated collection with no contractual basis. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent late payments and inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for Immediate Action : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 ( b ) ( 1 ) ( E ) XXXX XXXX XXXX Requires Experian to XXXX XXXX block and remove identity theft-related accounts within XXXX business days XXXX XXXX  of receiving XXXX XXXX A valid identity theft report XXXX XXXX Identification of fraudulent accounts ; - A sworn statement that the debt is not mine. 
XXXX  Your failure to comply violates this statute. XXXX XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) XXXX XXXX  : If you claim these accounts are valid, you XXXX XXXX must provide XXXX XXXX XXXX XXXX XXXX XXXX  Method of verification XXXX XXXX XXXX  Detailed explanation of how you confirmed the accounts accuracy. 
XXXX XXXX XXXX  Steps of verification * * : Documentation of communications with furnishers, including dates, names, and summaries. 
XXXX XXXX XXXX  Proof of debt XXXX XXXX  : A signed contract, transaction history, or other evidence legally binding me to these accounts. 

XXXXXXXX XXXX XXXX  15 U.S. Code 1681e ( b XXXX XXXX XXXX  : Mandates " maximum possible accuracy '' in reporting. These accounts are * * patently false XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Final Demand : XXXX XXXX XXXX XXXX You have XXXX BUSINESS DAYS from receipt of this letter to XXXX XXXX XXXX XXXX. XXXX XXXX Delete all disputed accounts XXXX XXXX  and provide written confirmation of removal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide the following documentation : * * - A * * signed contract * * or agreement linking me to these accounts. 
XXXX XXXX XXXX Itemized transaction history XXXX XXXX proving I authorized or benefited from these debts. 
XXXX XXXX XXXX Verification logs XXXX XXXX  detailing your investigation process ( e.g., correspondence with furnishers ). 
XXXX XXXX XXXX  Identity verification records XXXX XXXX  confirming I opened these accounts. 

XXXX XXXX  Failure to comply will result in XXXX XXXX XXXX XXXX XXXX XXXX  Immediate complaints XXXX XXXX to the XXXX XXXX  CFPB, FTC, DOJ, and XXXX XXXX XXXX XXXX XXXX for willful FCRA violations. 
XXXX XXXX XXXX Litigation under 1681n XXXX XXXX  seeking XXXX XXXX XXXX$1000.00} PER VIOLATION XXXX XXXX punitive damages, and attorney fees. 
XXXX XXXX XXXX  Public exposure XXXX XXXX  of Experians unlawful practices via media and consumer rights organizations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice of Willful Non-Compliance XXXX XXXX XXXX  If you reinsert these accounts without strict adherence to XXXX XXXX  1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX, you will face additional penalties of XXXX XXXX  {$4000.00} PER VIOLATION XXXX XXXX under XXXX XXXX 1681s-2 XXXX XXXX 

XXXX XXXX This is your final opportunity to resolve this matter. The burden of proof lies entirely with Experian. XXXX XXXX XXXX XXXX Enclosed : XXXX XXXX XXXX Copy of my XXXX XXXX identity theft report XXXX XXXX  ( FTC Affidavit/Police Report Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX Federal Trade Commission 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