Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
PRIVATE SETTLEMENT COMMUNICATION FOR SETTLEMENT PURPOSES ONLY WITHOUT PREJUDICE, UCC 1-308 Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL LEGAL DEMAND ESCALATED NOTICE OF MATERIAL BREACH AND WILLFUL NONCOMPLIANCE UNDER FEDERAL LAW Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. 



Dear Experian and Its Corporate Affiliates, Counsel, and Legal Representatives : This correspondence constitutes an escalated, final demand prior to the commencement of immediate federal litigation and/or binding private arbitration against Experian for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable constitutional and common law provisions, including violations of my due process rights under the United States Constitution. 



Recent Evidence of Continued Willful Misconduct : On XX/XX/XXXX, Experian issued a fraudulent and grossly inaccurate response to my legally justified disputes, relating to : XXXX. Inaccurate and unauthorized names and Social Security numbers improperly associated with my credit file ; XXXX. Fraudulent addresses, including most recently XXXX XXXX XXXX XXXX, still being unlawfully reported despite repeated demands and proven fraud status ; XXXX. The fraudulent tradeline reported under XXXX XXXX, which has been identified and acknowledged as fraudulent in Experians own admissions to the Consumer Financial Protection Bureau ( CFPB ), yet remains improperly verified and updated on my credit profile. 

The latest communication from Experian asserted that : Names, Social Security numbers, and addresses were retained because they were allegedly reported by credit grantors or public records ; Disputes would only result in deletions if the information could not be verified ; The XXXX XXXX tradeline reflects a collection from XX/XX/XXXX XX/XX/XXXX and remains reported as past due. 

These statements, made by your agent or specialist, are false, misleading, and directly contradict the evidence, admissions, and statutes governing Experians obligations. 



Factual and Legal Reality : XXXX. XXXX XXXX has no ownership of the alleged account. 
XXXX. XXXX XXXX is unable to produce a wet-signed original contract binding me to any alleged account. 
XXXX. No third-party collection agent currently exists, and all previous alleged agents have retracted when presented with documented fraud evidence. 
XXXX. Experian, in XXXX separate responses to the CFPB, has acknowledged that the tradeline in question involves fraud indicators including sending me correspondence admitting same. 
XXXX. Experian has, however, refused to delete the fraudulent account and accompanying personal data, in direct violation of FCRA mandates and its own published consumer policies. 

This constitutes willful noncompliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 15 U.S.C. 1681b ( a ) for reporting without a permissible purpose, and knowingly publishing false information about me in violation of 15 U.S.C. 1681e ( b ). 



Standing Legal Precedents and Rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Establishes that willful violations under FCRA include reckless disregard of legal obligations. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Furnishers must conduct reasonable reinvestigations ; failure triggers liability. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to promptly correct false reporting subjects furnishers and CRAs to punitive damages. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX that maintaining inaccurate information constitutes actual harm actionable under the FCRA. 



Calculation of Damages : Actual ( Economic ) Damages : Denial of loans, eviction proceedings, loss of business opportunities : {$110000.00} Non-Economic ( Emotional ) Damages : Emotional distress, humiliation, harm to credit reputation : {$250000.00} Punitive Damages ( for Willful Noncompliance ) : Statutory and exemplary punitive damages : {$500000.00} FORMAL DEMAND : In order to avoid further litigation, I hereby demand : XXXX. Immediate permanent deletion of all unauthorized names, Social Security numbers, addresses ( including but not limited to XXXX XXXX XXXX XXXX  ), and fraudulent XXXX XXXX XXXX. 
XXXX. A full, documented Method of Verification ( MOV ) showing detailed communications between Experian and XXXX XXXX regarding ownership and verification of the tradeline. 
XXXX. Payment in full of {$860000.00} ( XXXX XXXX XXXX XXXX U.S. Dollars ) for actual, non-economic, and punitive damages caused by XXXX violations. 
XXXX. Written confirmation of compliance provided to me within XXXX ( XXXX ) calendar days of receipt of this demand. 



Notice of Intent : Failure to comply will result in : Immediate filing of a civil complaint in U.S. District Court seeking treble damages under FCRA and FDCPA. 
Filing of formal grievances with the CFPB, FTC, Office of the Comptroller of the Currency ( OCC ), and relevant state Attorney General Offices. 
Initiation of binding private arbitration under contractual obligations, with enforcement through federal court under 9 U.S.C. 9. 

This is your final opportunity to resolve these claims amicably. Failure to respond accordingly will constitute full acceptance of the facts, injuries, and amount stated herein. 



All Rights Reserved Without Prejudice, UCC 1-308, UCC 1-103 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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