Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : Subject : Formal Demand for Immediate Federal Investigation and Enforcement Action Against Experian for Willful Noncompliance, Fraudulent Practices, and Violation of Federal Law I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX, hereby submit this formal demand for immediate investigation and enforcement by the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Office of the Comptroller of the Currency ( OCC ) into Experians willful violations of federal consumer protection law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related regulatory guidelines.

Despite my numerous formal complaints, fraud alerts, and legal notifications submitted to Experianand despite earlier escalations through the CFPBExperian continues to knowingly report false, unverifiable, and unauthorized personal information on my credit profile. These entries are not the result of inaccuracy, but deliberate misconduct and willful noncompliance, as defined under 15 U.S.C. 1681n ( civil liability for willful noncompliance ). 

1. Fraudulent and Inaccurate Names and Addresses Experian continues to publish and maintain in my consumer file a variety of false identities and addresses, including but not limited to : Unauthorized Names ( not legally nor lawfully associated with me ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Any variation other than XXXXXXXX XXXX XXXXXXXX Fraudulent Addresses ( with no lawful nexus to my person ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE Any and all addresses not expressly and exclusively tied to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX These listings not only violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, but also demonstrate Experians complete disregard for its duties under 1681i ( a ) to reinvestigate and correct disputed information within the statutory 30-day window. Experian has failed to conduct any real investigation into my previous disputes and continues to reinsert and republish these false items in violation of 1681i ( a ) ( 5 ). 

2. Fraudulent Tradeline XXXX Wireless Experian continues to report a tradeline from XXXX Wireless tied to the above fraudulent addresses. This account is : Not mine ; Tied to an identity theft claim ; Sold to a third-party debt collector, who, upon request, admitted they could provide no documentation or contract bearing my authentic signature, and removed the tradeline from their records.

Experian, however, continues to report this account, in violation of : 15 U.S.C. 1681b ( a ) no permissible purpose to report unverifiable tradelines ; 1681s-2 ( a ) ( 1 ) ( A ) a duty to ensure that furnished information is accurate and complete ; 1681s-2 ( b ) Experians obligation to conduct a proper investigation upon notice of dispute ; And FTC commentary to the FCRA which affirms that the failure to maintain and verify proper identity linkage constitutes unlawful reporting.

This persistence, in light of my previous formal complaints, meets the standard for willful noncompliance, as confirmed by the U.S. Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where it was held that reckless disregard for consumer rights is sufficient to establish willfulness under the FCRA. 

3. Right to Full Documentation and Procedural Accounting In my prior filings with the CFPB, I did not initiate a new dispute ; I explicitly exercised my right under 15 U.S.C. 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand a complete procedural accounting of Experians investigation into these fraudulent items. I specifically requested : All documentation used by Experian to verify the XXXX XXXX tradeline, including the original signed contract ( with wet signature ) ; Communications between Experian and XXXX XXXX regarding the ownership and reporting status of this tradeline ; Documentation confirming the identity matching methodology used by Experian to associate these fraudulent addresses and names with my file ; The basis for Experians decision to continue publishing these items despite clear evidence of fraud. 

To date, Experian has refused to provide any of these required materials, in violation of the FCRA and FTC guidance on consumer file disclosures. 

4. Legal Basis for Immediate Removal of All Infringing Items Experian is legally obligated to remove all data not verified as accurate and directly associated with my legal identity. Applicable federal mandates include : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates deletion of disputed information not verified within 30 days ; 1681b ( a ) Prohibits inclusion of information lacking permissible purpose ; 1681c Restricts outdated or unverifiable information ; 1681e ( b ) Requires reasonable procedures to ensure accuracy ; Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Agencies must delete unverifiable information even if the furnisher does not respond ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit agencies are liable for failing to maintain reasonable procedures to ensure accuracy. 

5. Demands Accordingly, I hereby demand the following : 1. Immediate deletion of all names and addresses not lawfully associated with me ( as listed above ), and the fraudulent XXXX XXXX tradeline. 
2. Provision of full investigative documentation and procedural accounting from prior disputes as required by law.

3. Federal enforcement action for each willful violation of the FCRA, including referral to the Department of Justice where applicable.

4. Civil penalties, damages, and injunctive relief, pursuant to 15 U.S.C. 1681n and 1681o, for willful and negligent violations respectively.

Failure to act will result in litigation under the above statutes, as well as referral to state Attorneys General, the CFPB Ombudsman, and potential class action coordination, should evidence support a broader pattern of abuse. 

Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX [ XXXX ] [ Email / 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