Product: Credit reporting or other personal consumer reports

f 2010 ( CFPA ), 12 U.S.C. 
Case Number : XXXX COMPLAINT FOR INJUNCTIVE RELIEF, REDRESS, DISGORGEMENT, AND CIVIL MONEY PENALTIES ACTION SEEKING NATIONWIDE RELIEF Case XXXX Document 1 Filed XX/XX/XXXX Page 1 of 40 Page ID # :1 COMPLAINT XXXX XXXX ( a ) ( 1 ) ( a ) ( b ), XXXX, and XXXX. This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 
2. Experian is one of the largest consumer reporting agencies ( CRAs ) in the country. A primary aspect of its business is collecting and organizing data on most adult Americans to generate consumer reports, consumer file disclosures, and credit scores that reflect consumers credit activity and history. As Experian acknowledges, its consumer reporting services play an integral part in the financial lives of millions of people. 
3. This is because Experian sells its consumer reports to creditors and businesses who are evaluating whether to offer a consumer various products, services, and opportunities, such as a loan, a job, or housing. 
4. Information reflected in consumer reports is provided to CRAs by data furnishers, such as banks, credit card companies, or debt collectors, and other sources. Errors in consumer reports can be significant for consumers, resulting in the denial of credit, employment, or housing, or being offered less favorable credit terms. 
XXXX. Recognizing the serious consequences borne by consumers when their consumer reports contain inaccurate information, Congress enacted the FCRA in 1970 to, in part, [ e ] nsure that consumer reporting agencies [ like Experian ] Case XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 Page ID # XXXX COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

6. The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i. 
7. When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C.

1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. The company has failed to verify any and all information provided to them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX or XXXX XX/XX/XXXX Dear CFPB, I am writing to express my deep concerns regarding the recent practices of Experian following the recent lawsuit involving their conduct related to credit reporting and investigations. I believe that their actions constitute sham investigations that have not only failed me, but also severely impacted my family and our ability to obtain credit approvals. 

As you may be aware, Experian has been under scrutiny for its poor handling of disputes and its general disregard for the accuracy of information in consumer credit reports. Unfortunately, my experience has confirmed these issues. After contacting Experian to dispute inaccuracies on my credit report, I was met with what I can only describe as a superficial investigation that failed to address my concerns adequately. This has resulted in ongoing inaccuracies that have hindered my ability to secure loans and rental agreements crucial for moving forward in my life. 

I am particularly distressed by the fact that my family 's financial future has also been jeopardized due to these inaccuracies. The burden of not being able to access credit has taken a toll on us, limiting our options for housing, education, and other essential resources. It is incredibly frustrating to feel as though we are being trapped by a system that is supposed to protect us but instead leaves us vulnerable to financial instability. 

Given the recent developments and the lawsuit surrounding Experians practices, I urge the CFPB to take a closer look at their operations regarding how they handle consumer disputes and investigations. I believe there is an urgent need for accountability and transparency in these processes to ensure that consumers like myself are not left without recourse when faced with the consequences of inaccurate credit reporting. 

Thank you for your attention to this pressing matter. I hope that the CFPB will act to protect consumers and ensure that credit reporting agencies operate fairly and transparently. 

Note : I also worked on my spouses credit. 

Sincerely, XXXX XXXX