Product: Credit reporting or other personal consumer reports

Congress made it clear that this agency operates as a financial institution and consumer reporting agency. They have been unfair and partial and have not respected my privacy. I did not give consent to Experian to furnish reports to XXXX and the data breaches to this agency makes this even more unacceptable. Per 15 USC 1681 a and b, this is a violation of my rights. 

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other unfair practices related to the handling of my credit information. 
Under the provisions of 15 U.S.C 1681 ( a ) ( 3 ) and 15 U.S.C 1681 ( a ) ( 4 ), Experian is mandated to assume a vital role in ensuring fair, accurate, and impartial credit reporting. However, my recent experiences with Experian have raised serious concerns regarding their compliance with these statutory obligations. 
Firstly, Experian has failed to exercise its responsibilities with fairness and impartiality. Despite the FCRA 's requirement for credit bureaus to consult with consumers to verify identity and obtain consent for creditworthiness checks, Experian has neglected to engage with me in this manner. Furthermore, their lack of transparency regarding their scoring models deprives consumers like myself of essential insights into factors influencing our credit scores. 

Additionally, my attempts to communicate with Experian regarding discrepancies in my credit report have been met with silence. Experian has neglected to respond by email even though I have certified mail sent to them. All I see is that on their portals ... .company has verified this account, dispute updated. They do not answer questions. Most of the time, I am not even asking for account verification but specific information and questions to be answered and these are totally ignored. Despite sending certified letters and seeking resolution through arbitration, Experian has ignored my inquiries, demonstrating a blatant disregard for consumer rights and fair dispute resolution practices. I would like to see all the letters and proof they responded to my requests. Their phone system has gotten out of hand as of late. I really believe most of Experian is using A.I as a tactic to give generic responses which I request to meet in person. 

Of particular concern is the significant drop in my credit score following a mortgage credit pull, despite maintaining impeccable payment history and credit responsibility. Discrepancies between different credit scoring models ( FICO 8 & Vantage 3.0 ) further highlight the inconsistency and lack of reliability in Experian 's reporting and scoring practices. 

In light of these issues, I urge the CFPB to launch an investigation into Experian 's strategies and treatment of consumers. I believe that my case is not an isolated incident, as I have come across numerous complaints from other individuals facing similar challenges with Experian. 

I hereby request the CFPB 's intervention to compel Experian to rectify inaccuracies in my credit report, provide transparency regarding their scoring models, and engage in fair dispute resolution processes. If Experian refuses to remove the XXXX XXXX account XXXX, I would like the CFPB to urge them to come to the arbitration table and beholden to their arbitration clause and let it be on record that they will meet to discuss these. I am willing to participate in arbitration to address the disputed accounts and reach a satisfactory resolution. 

I wanted to have this complaint along with the other evidence and sent letters and failed responses to the attorney general but I would really love the CFPB to investigate these claims. Please reach out to me if anything is needed.