Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This final legal notice is to document Experians improper use of my consumer report, failure to comply with federal laws, and continued violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple submissions of my FTC Identity Theft Report, proof of identity, and formal dispute letters, Experian has : Failed to block and remove fraudulent accounts within the required 4-business-day timeframe under FCRA 605B.

Refused to provide verification documentation while continuing to report fraudulent accounts, violating FCRA 609 & 611.

Updated the balance to {$0.00} and marked the account as transferred/sold but refuses to delete it.

Denied me online access to my dispute results, violating my right to information under FCRA 611 ( a ) ( 6 ). 
Misrepresented the legal status of the account, violating consumer credit accuracy laws. 
Used deceptive and stalling tactics, providing contradictory and misleading responses. 

On [ Todays Date ] at XXXX XXXX  EST, I spoke with XXXX from Experians Fraud Department. During this call : XXXX confirmed that Experian has failed to block the fraudulent account despite receiving my FTC Identity Theft Report beyond the 4-business-day deadline. 
She falsely claimed that Experian does not have to remove the account until 30 business days pass, which is incorrect under federal law. 
She admitted that Experian has never received documentation from XXXX XXXX XXXX or whoever purchased the debt but still refuses to delete the account. 
She falsely claimed that Experian does not have to provide verification documentation to the consumer, which contradicts FCRA XXXX & XXXX. 
She stated that XXXX XXXX XXXX does not have to provide documentation and only needs to confirm whether the account should be reportingwhich is legally insufficient for verification under federal law. 

These statements and actions violate multiple consumer protection laws and demonstrate that Experian is willfully misreporting information on my credit report.

LEGAL VIOLATIONS COMMITTED BY EXPERIAN 1 Violation of FCRA 605B Failure to Block Identity Theft Accounts Within 4 Business Days ( 15 U.S.C. 1681c-2 ) Legal Requirement : FCRA 605B mandates that Experian must block fraudulent accounts within 4 business days once the consumer submits : A valid FTC Identity Theft Report Proof of identity ( Government ID, SSN, etc. ) A written request for fraud removal Violation : XXXX confirmed that Experian failed to block the fraudulent account, exceeding the 4-business-day legal deadline. 
She falsely stated that Experian has 30 business days, which only applies to standard disputesnot identity theft cases. 
Experian is now in clear violation of federal law and is knowingly misinforming consumers about their rights. 

Legal Remedy : Each violation of FCRA 605B allows for statutory damages of {$1000.00} per violation under FCRA 616 & 617.

2 Violation of FCRA 609 Failure to Provide Verification Documentation ( 15 U.S.C. 1681g ) Legal Requirement : If a credit bureau claims it verified a disputed account, they must provide : All records used to verify the dispute The name, title, and contact information of the furnisher The method of verification used Violation : XXXX falsely stated that Experian does not have to provide verification documents to the consumer. 
Experian refuses to disclose what evidence, if any, was used to verify the account. 
Failure to provide verification means the account must be deleted under FCRA 611 ( a ) ( 5 ).

Legal Remedy : If Experian can not provide verification documents, they must delete the account immediately.

Failure to comply entitles me to statutory damages under FCRA 616 & 617.

3 Violation of FCRA 611 Denial of Access to Dispute Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Legal Requirement : FCRA 611 ( a ) ( 6 ) states that credit bureaus must provide the results of a dispute in a format accessible to the consumer. 

Violation : Experian has denied me online access to my dispute results, stating, Your dispute results are currently not available online. 
This is a violation of my right to obtain dispute findings. 

Legal Remedy : Experian must immediately provide access to my dispute results. 
Failure to comply will result in further legal action.

4 Violation of CFPB UDAAP Laws Unfair & Deceptive Practices ( 12 U.S.C. 5531 ) Legal Requirement : The Consumer Financial Protection Bureau ( CFPB ) prohibits credit bureaus from engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

This includes : Falsely claiming an account was verified without proof Providing misleading information to consumers about their dispute rights Deliberately delaying dispute resolution despite legal deadlines Violation : XXXX provided false information about Experians dispute process, misleading me about my consumer rights. 
Experian is intentionally delaying action on my identity theft dispute beyond the legal deadline. 


FINAL DEMAND REMOVE THIS ACCOUNT IN 4 BUSINESS DAYS I am giving Experian exactly 4 business days from the date of this letter to : XXXX Immediately delete the fraudulent XXXX XXXX XXXX account. 
XXXX Provide written confirmation that the account has been removed. 
3 If Experian claims the account is verified, provide ALL of the following documents : Signed contract proving I authorized the account.

The name, contact information, and method of verification used.

Payment records or validation from the original creditor.

Chain of title proving ownership of the account.

4 Cease all further reporting of this fraudulent account.

5 Stop sending misleading dispute notifications.

LEGAL ACTION IF YOU FAIL TO COMPLY If Experian fails to comply within 4 business days, I will take the following actions without further notice : File a Lawsuit Against Experian in Small Claims or Federal Court File a formal complaint with the CFPB and FTC for investigation.

Report Experian to my State Attorney General for consumer protection violations. 
Seek statutory damages of {$1000.00} per violation and compensation for harm to my creditworthiness.

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