Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX **Date : XX/XX/XXXX/2025** **Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX*Federal Trade Commission ( FTC ) ** XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXXExperian Information Solutions , Inc.*XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX **Subject : Urgent Complaint Regarding Violations by Experian** Dear Sir/Madam, I am writing to voice my deep concern regarding the ongoing issues I have encountered with Experian, particularly in light of the recent lawsuit filed by the CFPB. The CFPB has taken action against Experian for allegedly conducting " sham investigations '' into consumer credit report disputes. This lawsuit underscores serious shortcomings in Experians practices regarding the handling of consumer disputes and the investigation of inaccuracies in credit reports.

**Key Points of Concern : ** 1. **Inadequate Dispute Handling : ** The CFPB 's complaint highlights that Experian has not properly investigated consumer disputes related to errors on credit reports, which is a fundamental violation of consumer rights.

2. ** '' Sham Investigations '' : ** It is claimed that Experian 's investigations fail to be thorough and do not adequately communicate pertinent information to the original credit furnishers, thereby undermining the integrity of the dispute resolution process.

3. **Failure to Contact First Progress Card : ** Despite my efforts, Experian has not contacted First Progress Card regarding my updated information. This lack of communication has prevented accurate reporting of my account information on my credit report.

This raises serious questions about the companys accountability and commitment to compliance with the Fair Credit Reporting Act ( FCRA ).

In my personal experience, I have faced significant challenges with Experians handling of disputed information on my credit report. I have attached a letter from XXXX XXXX XXXX confirming that they updated my information and reported it to all three major credit bureaus. Despite this, Experian has continued to report inaccuracies that misrepresent my true credit history. 

The persistent noncompliance demonstrated by Experian with the requirements of the FCRA is alarming. Such negligence not only erodes consumer trust but also inflicts considerable harm on individuals who depend on accurate credit reporting for their financial stability. 

Under 15 U.S.C. 1681n, I am entitled to seek actual damages as a result of these violations. The insufficient investigations into disputed matters have adversely impacted my credit score and limited my access to financial opportunities. It is crucial that the CFPB and FTC take swift and effective action against Experian to ensure accountability for their continued neglect.

I implore you to approach this issue with the seriousness it demands and to implement the necessary measures to protect consumers from Experians ongoing misconduct. It is essential that Experian is compelled to adhere to legal standards and restore trust in the credit reporting system. 

Thank you for your prompt attention to this important matter. I look forward to your response. 

Sincerely,