Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX Experian LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and Fraudulent Intent to Misrepresent Creditworthiness To Whom It May Concern, This letter serves as an escalation of my previous disputes and formal demand to Experian for immediate compliance with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., as well as other federal laws that mandate accuracy, transparency, and fairness in consumer credit reporting.

Despite my submission of the required documentation, including the FTC Fraud Affidavit, drivers license, and proof of address, Experian has failed to remove the unauthorized accounts listed below from my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have both complied with my disputes and removed unauthorized accounts, yet Experian continues to willfully neglect federal law, thereby displaying fraudulent intent to harm my creditworthiness and financial reputation. 

Experians back-office team has demonstrated a shocking level of inconsistency and outright negligence in their handling of my disputes. While you were able to remove all XXXX accounts within four business daysproving that you are fully capable of complying with federal law when it suits your interestsyou have willfully failed to do the same for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This deliberate disregard for the law and my rights under the Fair Credit Reporting Act ( FCRA ) highlights not only your incompetence but also a blatant fraudulent intent to misrepresent my creditworthiness. Such selective compliance exposes the predatory practices of your back-office team, who seem more concerned with protecting financial institutions than fulfilling your legal duty to consumers. If you can act swiftly in one instance, your failure to do so here is nothing but a calculated decision to inflict financial harm for profit, which raises serious questions of racketeering and profiteering off my personal and financial distress.

Violations of Federal Law 1. 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy Experian is legally required to maintain reasonable procedures to ensure maximum accuracy in the reporting of consumer information. The continued inclusion of unauthorized and fraudulent accounts on my credit report, despite receiving sufficient documentation, is a gross violation of this obligation. 
2. 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation You have failed to conduct a reasonable reinvestigation of my disputes, despite being provided with clear evidence that these accounts are unauthorized. Federal law mandates that reinvestigations must be completed within 30 days. Your blatant disregard of this statutory duty constitutes willful non-compliance.

3. 15 U.S.C. 1681b ( a ) Reporting Without a Permissible Purpose By continuing to report fraudulent accounts without my consent, Experian is disseminating inaccurate information to third parties without a permissible purpose, in direct violation of federal law.

4. RICO Violations Profiteering from Financial Harm Your refusal to remove these unauthorized accounts and your delay in resolving this matter further demonstrates fraudulent intent under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). By knowingly disseminating false information, you are profiting from the harm caused to my financial standing, including higher interest rates, reduced credit opportunities, and reputational damage.

5. Fraudulent Misrepresentation of Creditworthiness Experians back-office leadership has willfully ignored its duty to address and resolve this matter. This pattern of negligence and fraudulent misrepresentation is designed to benefit financially at my expense. Your actions violate my constitutional rights and cause demonstrable harm to my financial health. 
Supporting Precedent Experians refusal to comply mirrors a history of systemic non-compliance as evidenced in : FTC v. Experian Information Solutions , Inc. ( XXXX ) Highlighting Experians negligence in providing accurate information to consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Demonstrating how credit reporting agencies fail to follow reasonable procedures, resulting in consumer harm. 
Your actionsor lack thereofare indicative of Experians pattern of disregarding federal law and consumer protections. 
Immediate Demands I am granting Experian one final opportunity to comply with federal law by taking the following actions within 15 days of receipt of this letter : 1. Immediately and permanently delete the following unauthorized accounts from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide written confirmation of the removal of these accounts and a detailed explanation of how Experian will ensure compliance moving forward. 
Legal and Regulatory Consequences Failure to comply will result in the following actions : 1. Complaints filed with the CFPB and FTC for ongoing FCRA violations and intentional misconduct.

2. Civil action under 15 U.S.C. 1681n for willful non-compliance, including statutory damages of {$1000.00} per violation, actual damages, punitive damages, and attorney fees.

3. Exposing Experians back-office leadership under RICO statutes for fraudulent misrepresentation and profiteering from consumer harm.

4. Demanding regulatory audits to expose systemic non-compliance with the FCRA and consumer protection laws.

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