Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XXXX SSN : XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX - XXXX XXXX XXXX Experian XXXX XXXX XXXX Resolution and Consumer Protection Atten : All department heads that listed above will be addressed in my legal proceedings for willful negligence pertaining to my claims. My financial life is in ruins over experian blatant disregard for me or my financial well being.

Re : Formal Demand for Immediate Action Violations of the Fair Credit Reporting Act and Associated Consumer Protections To the Executives and Legal Team of Experian plc : This letter serves as formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding your ongoing failure to address and rectify errors and fraudulent accounts on my credit report. Your inaction constitutes egregious violations of federal and state laws protecting consumer rights, and I require your immediate response to avoid further escalation, including litigation and regulatory intervention.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1.. Failure to Conduct Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : XXXX Despite my repeated disputes, Experian has failed to conduct a reasonable reinvestigation of the inaccurate and fraudulent accounts reported on my credit file. Your reliance on automated systems, such as e-OSCAR, fails to meet the statutory requirement of a thorough and reasonable investigation.

2. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Upon receipt of my dispute, proof of identity, and documentation ( including a police report ), you were required to block the fraudulent information within four ( 4 ) business days. Experians failure to comply with this timeline is a direct violation of the statute.

3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian is mandated to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. The continued reporting of erroneous and fraudulent accounts demonstrates a flagrant disregard for this legal obligation.

4. Failure to Respond to Consumer Complaints : Experians refusal to respond to my disputes within the legally mandated timeframes under 15 U.S.C. 1681i ( a ) has caused severe financial harm, including loss of access to credit and the inability to secure housing.

5. Failure to Block Fraudulent Accounts Pursuant to 605B : My client submitted a valid and substantiated request to block fraudulent accounts under 605B.

Experian failed to fulfill this mandatory duty, leaving harmful and erroneous accounts on my client 's credit report.

6. Failure to Respond to Disputes in a Timely Manner ( 1681i ) : Despite the FCRA 's requirement that disputes be resolved within 30 days ( or 45 days if supplementary information is provided ), Experian failed to address my client 's initial dispute within the statutory timeframe.

7. Failure to Remove Unauthorized Inquiries ( 1681b ) : Unauthorized credit inquiries remain on my client 's credit report despite repeated disputes. These inquiries were neither authorized nor initiated by my client.

8. Reinsertion of Previously Disputed Items Without Notice ( 1681i ( a ) ( 5 ) ( B ) ) : XXXX Experian improperly reinserted previously disputed items into my client 's credit file without providing the requisite written notice. This constitutes a clear violation of the FCRA. 9. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 1681e ( b ) ) : Experian failed to implement reasonable procedures to ensure maximum possible accuracy of information in my client 's credit file, leading to continued misreporting of critical account details.

Demand for Immediate Cease and Desist : Pursuant to 15 U.S.C. 1681c-2 ( a ), I hereby demand that you immediately cease and desist reporting all fraudulent accounts identified in my prior disputes. The fraudulent accounts were not authorized by me, were not signed with a wet ink signature, and were created electronically without my consent.

Opt-Out of Arbitration Agreement : For the record, I have formally opted out of Experians arbitration clause, and I am no longer subject to your terms and conditions in this regard. As such, I retain the full legal right to pursue claims against Experian in a court of law.

Recent Legal and Regulatory Failures by Experian : Your organizations continued disregard for consumer rights is evident in recent violations, settlements, and legal cases : FTC Fine ( XXXX  ) : Experian was fined {$650000.00} for violating the CAN-SPAM Act by sending unsolicited marketing emails to consumers without providing a proper opt-out mechanism ( FTC, XXXX XXXX  .

{$22.00XXXX XXXX Settlement ( XXXX  ) : Experian agreed to a class-action settlement for inaccurately reporting credit information, causing material harm to consumers ( Jewett, XXXX ).

CFPB Oversight Report XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau flagged Experian for persistent issues in addressing consumer disputes and ensuring credit report accuracy ( CFPB, XXXX  ).

Demands and Instructions : 10777201.1.8-13 1. Written Response Only : Experian must provide a detailed, written response addressing the specific actions taken to rectify the fraudulent accounts and compliance with applicable laws. Automated or electronic responses will not be accepted.

2. Identity Verification Documents Enclosed : I am providing copies of my valid government-issued ID, Social Security card , and a recent utility bill to preempt any further stalling tactics under the guise of identity verification.

3. Timely Resolution Required : Experian is hereby legally obligated to comply with my demands and resolve these matters within four ( 4 ) business days of receipt of this letter. Failure to do so will result in legal action to enforce my rights under the FCRA and other applicable laws.

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) ( 15 U.S.C. 1681c ) specifies the obligations of credit reporting agencies like Experian regarding the exclusion of obsolete information from consumer credit reports.

It has come to my attention that Experian has included inaccurate information in my credit report that should no longer appear under the standards set by Section 605 ( b ).

This correspondence serves as a formal notice regarding Experians failure to comply with its legal obligations under Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2. As you are aware, Section 605B requires a consumer reporting agency to block the reporting of fraudulent information on a credit report upon receipt of a valid Identity Theft Report. I have provided all requisite documentation to substantiate my claim, including the Identity Theft Report, proof of identity, and a detailed explanation of the disputed accounts.

Your failure to investigate and remove the fraudulent information from my credit file within the statutory period of four business days not only violates the explicit provisions of Section 605B but also disregards my federally protected rights as a consumer. This noncompliance has caused material harm to my financial standing, including denied credit opportunities and unwarranted stress, for which Experian may be held liable. 
1.The following personal information is incorrect. Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX Please remove it from my credit report. 

XXXX XXXX following personal information is incorrect. Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX Please remove it from my credit report. 
3.The following personal information is incorrect. 
Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. 
4.The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5.The inquiry was not authorized. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6.The inquiry was not authorized. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7.The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8.The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9.The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
Notice of Intent to Sue : Should Experian fail to comply with these demands, I will not hesitate to pursue litigation against your organization for damages, including but not limited to : Statutory damages under 15 U.S.C. 1681n ; Actual damages under 15 U.S.C. 1681o for financial distress caused by your violations ; Punitive damages for willful noncompliance ; and Attorneys fees and court costs.

This letter serves as official notice of your violations and my intent to seek all available remedies if these issues are not resolved immediately. 
I trust that you will treat this matter with the gravity it warrants and take all necessary corrective actions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XXXX SSN : XXXX

Company response to consumer: Closed with explanation