Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11766993
Complaint Overview
Complaint ID: 11766993
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Louisiana
ZIP Code: 70454
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX RE : Formal Cease-and-Desist Demand for Reporting Inaccurate Information Case No. XXXX Cease-and-Desist Demand under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) in relation to your repeated and willful reporting of inaccurate, unverifiable, and unauthorized information about me to the credit reporting agencies ( XXXX, Experian, and XXXX ). Despite my numerous attempts to resolve these issues, including certified mail correspondence providing proof of inaccuracies, you continue to report false and misleading information, causing significant and ongoing harm to my credit, reputation, and financial future. Additionally, I have filed a lawsuit under XXXX XXXX. XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Sales, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX credit reporting agencies for your collective violations of federal law. Your conduct has caused substantial financial, emotional, and reputational damages, which you will be held accountable for under federal law. Violations of Federal Law XXXX. Reporting Without Written Consent 15 U.S.C. 1681b ( a ) : Under the FCRA, a creditor must have a permissible purpose, including express written authorization, to report a consumers personal or financial information to credit reporting agencies. I have never provided written consent to any of the named creditors to report information about me to credit bureaus. Your actions constitute unauthorized access and reporting, violating my privacy and federal law. XXXX. Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : The FCRA requires furnishers of information to ensure the maximum possible accuracy of data reported to credit bureaus. Your failure to meet this standard has resulted in repeated and harmful inaccuracies on my credit reports. XXXX. Failure to Conduct Reasonable Investigations 15 U.S.C. 1681i ( a ) : Upon receipt of a dispute, furnishers and credit reporting agencies are required to conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my repeated notifications and certified letters, you have failed to investigate or correct the inaccuracies. XXXX. Continuing to Report Disputed Information XXXX U.S.C. 1681s-2 ( b ) : Federal law prohibits furnishers from continuing to report disputed information without verification. Your ongoing reporting of inaccurate and disputed data constitutes reckless disregard for the FCRA and consumer rights. XXXX. Civil Liability for Willful Noncompliance 15 U.S.C. 1681n : Under the FCRA, each willful violation of the Act entitles me to statutory damages of {$1000.00} per inaccurate reporting instance, in addition to actual damages, punitive damages, and attorneys fees. Each inaccurate entry on my credit report constitutes a separate violation. XXXX. Deceptive Practices 15 U.S.C. 1692e : The FDCPA prohibits creditors from engaging in deceptive practices, including misrepresentation of the nature or status of a debt. Your false reporting practices violate this provision. Harm Caused by Your Actions Your continued noncompliance has caused significant and measurable harm, including but not limited to : XXXX. Financial Losses : I have lost over {$100000.00} in business deals, as your inaccurate reporting has destroyed my creditworthiness and ability to secure financial and professional opportunities. XXXX. Emotional and Physical Distress : Your unlawful actions have caused me undue stress, anxiety, and emotional anguish, directly impacting my health and the stability of my familys future. XXXX. Reputational Damage : Your false reporting has severely damaged my personal and professional reputation, hindering my ability to conduct business effectively. XXXX. Violation of Privacy : Reporting my information to credit bureaus without my express written consent is a violation of my privacy rights and federal law. Cease-and-Desist Demand I hereby demand that all named parties : XXXX. Immediately cease and desist from reporting any information about me to any credit reporting agency, including XXXX, Experian, and XXXX. XXXX. Remove all negative information from my credit reports, including but not limited to data reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX, XXXX, and XXXX XXXX XXXX. XXXX. Conduct a full investigation into my disputes and provide written confirmation within XXXX days of receipt of this letter that the disputed entries have been deleted or corrected. Consequences of Continued Noncompliance If you fail to comply with this demand, I will pursue additional legal remedies, including : XXXX. Escalating Damages : Under 15 U.S.C. 1681n, I will seek {$1000.00} per inaccurate entry as statutory damages, punitive damages for willful noncompliance, and recovery of financial losses exceeding {$100000.00}, as well as compensation for emotional distress and reputational harm. XXXX. Regulatory Complaints : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies to report your violations of the FCRA and FDCPA. XXXX. Court-Imposed Sanctions and Additional Claims : Your ongoing noncompliance will be submitted as further evidence in XXXX XXXX. XXXX to request sanctions and expanded claims for damages caused by your willful disregard for the law. Final Warning This is your final notice. Your continued violations of federal law and refusal to take corrective action are not only unlawful but demonstrate reckless indifference to the harm you have caused to my credit, reputation, and familys future. Failure to comply will result in further legal and regulatory actions. My XXXX and only address is XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11766993 about?
Complaint #11766993 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-22T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.