Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Violations of 15 U.S.C. 1681 ( FCRA ) and Negligence in Credit Reporting Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to their failure to report accurate credit information, refusal to correct disputed items within the required timeframe, and negligence in handling my credit file.

Summary of Issues : Experian has failed to correct numerous inaccuracies despite my disputes, exceeding the 30-day limit outlined in the FCRA.

Missing credit accounts : Four of my XXXX XXXX credit cards are missing from my report due to Experian wrongfully marking them as fraudulent applications. 
Fraudulent statements : Experian falsely added a personal statement indicating I reported fraudulent applications, which I never did. 
Incorrect reporting : Multiple accounts contain wrong balances, last payment dates, status updates, duplicate entries, and improper dispute comments that I never made. 
Severe financial and emotional distress : The failure to correct these errors has caused damage to my credit score, wrongful account closures, missed financial opportunities, and unnecessary stress. 
Lack of Response from Experian : Despite calling Experian numerous times and even reporting this to their Executive Office, they have ignored my concerns and stated that it does not matter what I say or send. I have not received a single phone call or proper response addressing my disputes. 
List of Errors : XXXX. XXXX Account Incorrect balance update, wrong open date, incorrect last payment date. 
XXXX XXXX XXXX for XXXX Paid in full, yet Experian reports incorrect information. 
XXXX. XXXX XXXX Missing balance, incorrect open date, last payment date, and balance update. 
XXXX. XXXX Incorrect comments about a lost/stolen card ; my account is now wrongfully closed. 
XXXX. XXXX ( Duplicate Listing ) Experian falsely marked it as disputed when I only disputed their reporting errors, not the card itself. 
XXXX. XXXXXXXX XXXX  XXXX I have disputed this since XXXX, yet Experian continues to report inaccurate information. 
XXXX. XXXX XXXX XXXX XXXX Incorrect payment history and inquiry dispute ignored. I refinanced my car in XX/XX/XXXX, but Experian has failed to update my records. 
XXXXXXXX XXXX XXXX XXXX XXXX Incorrect status, last payment date, and balance update. 
XXXX. XXXX XXXX XXXX Wrong balance, payment date, and false dispute comments. 
XXXX. XXXX XXXX Incorrect status update, balance, and last payment date. 
XXXX. XXXX ( XXXX ) Wrong balance, last payment, high balance, and status update. 
XXXX. XXXX XXXX Incorrect balance, last payment date, and high balance. 
XXXX. XXXX Incorrect status, last payment, and false dispute comments. 
XXXX. XXXX Blank file with false dispute comments that I never made. 
XXXX. XXXX XXXX XXXX XXXX Multiple accounts with incorrect balances, status updates, and payment history ( never missed a payment ). 
XXXX. XXXXXXXX XXXX XXXXXXXX Incorrect comments stating I disputed my student loan, which I never did. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ) False dispute comments, incorrect last payment date, and high balance. 
XXXXXXXX XXXX  XXXX ( XXXX & XXXX ) Incorrect last payment date and false dispute comments. 
XXXX XXXX XXXX  Incorrect status, balance update, and last payment date. 
XXXX. XXXX XXXXXXXX XXXX Incorrect balance, status, and payment updates. 
XXXX. XXXX XXXX balance and last payment update. 
XXXX. XXXX  XXXX ( XXXX ) False dispute comments and incorrect payment information. 
XXXX XXXX Incorrect balance and last payment date ; false dispute comments. 
XXXX. Personal Statement Experian falsely added a statement that I reported fraudulent applications, which I NEVER did. This needs to be removed immediately. 
XXXX. XXXX XXXX XXXX Accounts : XXXX negligence has led to XXXX ( XXXX ) of my XXXX XXXX credit cards being wrongfully removed and closed under false claims of fraudulent applications. I am still fighting to have these reinstated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Requested Resolution : I request the CFPB to investigate Experians failure to comply with the FCRA and take immediate corrective action, including : 1. Immediate corrections of all inaccuracies listed above in my credit report.

2. Removal of all false dispute comments that I never made.

3. Reinstatement of my four ( 4 ) XXXX XXXX credit cards that were wrongly closed due to Experians misreporting. 
4. Removal of the false personal statement about fraudulent applications.

5. Compensation for financial damages and emotional distress caused by Experians negligence, time wasted, and harm to my financial reputation.

Experians negligence has caused significant financial and personal distress for over a month, forcing me to miss work and spend excessive time trying to fix their mistakes. I urge the CFPB to hold Experian fully accountable for their non-compliance with federal consumer protection laws. 
Please contact me at XXXX or XXXX for any additional information. I expect immediate action on this matter.