Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Follow-Up Complaint Regarding Experians Violations of the Fair Credit Reporting Act ( FCRA ) -- - Complaint Summary This is a follow-up complaint regarding Experian 's ongoing violations of the Fair Credit Reporting Act ( FCRA ) and their failure to fulfill their legal obligations as a credit reporting agency. Their actions have severely impacted my life by damaging my creditworthiness, hindering my ability to access credit, and failing to provide accurate and timely information to creditors. 


-- - Details of the Complaint 1. Identity Verification Failures ( XXXX XXXX ) In late XXXX, I attempted to purchase a vehicle online. For two weeks, Experian failed to verify my identity, effectively blocking access to my credit file. Despite contacting Experian customer service and escalating my concerns, I spent hours speaking with experian customer service representatives over a two week period who escalated my issues and so i was talking with Experians specialist as well and they where all denying that Experian was not verifying my identity which led to me getting denied on a garanteed car loan.I needed the vehicle for my job I am a professional driver ( there is a fraud alert on my report that was placed there by experian right after experian investigated my report at my request, concluded that there was a system merger of an unknown credit report with my credit report, then removed the unknown report from my credit report. This was the end of XXXX and they said even then everything looks good and that i would not have any more issues. More then two weeks before i had applied for the car loan i called Experian up to have them unfreeze and femove all of the locks and freezes. I explained in detail that i was purchasing a vehicle and that i was going to have my cresit run and so they seemed very helpful and again assured me that everything works and there would not be any problems in what i intended on doing, why is a fraud alert still displayed on my report? ) .Experian failed to notify me in writing of their refusal to verify my identity or the reasons behind their actions, in direct violation of : 15 U.S. Code 1681g : Failure to disclose the information in my file upon request.

15 U.S. Code 1681i ( a ) ( 6 ) : Failure to provide timely results of an investigation or adequate explanations regarding identity verification issues. 



XXXX. Ongoing Issues Throughout XXXX For the entirety of XXXX, Experians system continued to fail to verify my identity, address, or phone number. Additionally, creditors were unable to obtain my credit score when requested. I attempted to contact Experian numerous times via their automated answering service, but the system repeatedly prevented me from speaking with a human representative. This lack of access caused severe financial harm, as I was unable to secure credit for essential needs.

These actions constitute violations of : 15 U.S. Code 1681e : Failure to maintain procedures for maximum possible accuracy of credit reports.

15 U.S. Code 1681b : Unlawful restriction of access to my credit file for legitimate purposes, such as loan applications. 



XXXX. Merged Credit File and Removal of Negative Accounts ( XXXX ) At the end of XXXX and beginning of XXXX, Experian investigated my report due to a merged credit file. They assured me the issue was resolved and removed inaccurate accounts. However, subsequent problems with identity verification and reporting suggest either continued negligence or failure to fully address the merged file.

4. Damage to My Financial Standing The unresolved issues with Experian have left several negative accounts on my credit report, which remain unpaid. These accounts are a direct result of my inability to use my credit over the past year. Experians actions have severely impacted my ability to : Purchase a vehicle, forcing me to pay exorbitant monthly rental fees.

Lossed Jobs and opportunities, I owe over two years back rent and even though I have managed to escape the grasp of homelessness, because the issue continues on year after year without correction, my foundation continues to crumble and homelessness is almost certain. This situation has forced me into homelessness once already however as well as many many other misfortunes including at least three missed job opportunities.

Access credit lines necessary for personal and professional growth.

This harm is directly attributable to Experians repeated violations of FCRA, including their failure to correct errors, notify me in a timely manner, and maintain accurate reporting.

-- - Requested Resolution I am requesting the following actions : 1. Full Investigation and Resolution Investigate Experians failure to verify my identity and provide a detailed explanation for their actions. 

Verify and correct any inaccuracies on my credit report and ensure my file is accessible to creditors immediately. 



XXXX. Notification of Actions Provide written documentation of all actions taken by Experian regarding my credit file from XXXX to present. 
Notify me of any ongoing issues that may affect my creditworthiness or the ability of creditors to access my file.

3. Compliance with the FCRA Ensure Experian complies with all FCRA requirements, including timely communication, accurate reporting, and adequate customer service access.

4. Compensation for Damages Address the financial harm caused by Experians actions, which prevented me from securing credit and resulted in increased costs ( e.g., vehicle rental fees, unpaid rent payments, job loss, unpaid credit cards, emotional distress ). 





-- - Conclusion Experians repeated violations of the FCRA and their failure to fulfill their legal obligations have caused immense financial and emotional distress. I demand immediate corrective action to prevent further harm. If these issues are not resolved promptly, I am prepared to pursue legal remedies to address the damage Experian has caused. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX