Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Final Notice and Formal Dispute of Inaccurate Information on Credit Report RE : Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

To Whom It May Concern : This letter serves as formal notice of continued violations by Experian Information Solutions , Inc. regarding inaccurate and unverifiable information reported on my credit file. Since XX/XX/year>, I have submitted multiple disputes and legal documentationincluding a certified dispute letter sent on XX/XX/year>XXXX  ( USPS Tracking No. XXXX ) yet Experian has failed to comply with its statutory obligations under the Fair Credit Reporting Act ( FCRA ). 

I also submitted an official FTC Identity Theft Report and Identity Theft Affidavit, which confirm that fraudulent activity has occurred and that certain accounts should not be attributed to me. 

To date, no corrected credit report has been issued, and your inaction has caused undue harm and emotional distress. Furthermore, your agency continues to report disputed and unverifiable data, in violation of : - FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation - FCRA 1681i ( a ) ( 2 ) : Failure to forward all relevant dispute information to furnishers - FCRA 1681i ( a ) ( 6 ) ( A ) : Failure to provide written results of reinvestigation - FCRA 1681i ( a ) ( 5 ) ( C ) : Failure to prevent reinsertion of previously deleted information - FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy Additionally, I have filed the following formal complaints with the Consumer Financial Protection Bureau ( CFPB ), all of which remain active and pertain to your companys failure to comply with federal consumer reporting laws : - CFPB Case # XXXX Filed XX/XX/year> ( in progress as of XX/XX/year> ) - CFPB Case # XXXX Filed XX/XX/year> ( in progress as of XX/XX/year> ) - CFPB Case # XXXX Filed XX/XX/year>XXXX  - CFPB Case # XXXX Filed XX/XX/year> DEMAND FOR ACTION : I hereby demand that Experian : 1. Immediately delete all inaccurate, unverifiable, and disputed information from my credit file.

2. Issue an updated credit report via mail showing all corrections and deletions.

3. Cease any future reinsertion of previously disputed or deleted data unless full legal compliance with FCRA 1681i ( a ) ( 5 ) is met.

4. Provide all written communication and reinvestigation results exclusively by mail. I do not wish to be contacted by phone or email.

5. Any information Experian uploads to the CFPB portal must also be mailed to me in writing at the address listed above. 

Failure to comply with the FCRA and fulfill these demands will result in immediate legal escalation. I reserve the right to pursue claims in civil court and seek remedies including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and legal costs as provided under 15 U.S.C. 1681n and 1681o.

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