Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Violation of Consumer Rights Dear Experian, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous violation of my consumer rights by your credit reporting agency. Despite my previous attempts to rectify the situation, I have observed persistent errors and inaccuracies in the information reported by your agency, which have had a significant negative impact on my creditworthiness. 

I wish to bring to your attention the following violations of my consumer rights : 1. Failure to Accurately Report Information : I have discovered multiple instances where your credit bureau has reported inaccurate and misleading information on my credit report. These errors include incorrect personal information, unauthorized accounts, and inaccurate payment histories. These inaccuracies not only misrepresent my creditworthiness but also undermine my ability to obtain credit and secure favorable terms. 

2. Negligent Handling of Disputes : Despite my previous attempts to dispute these errors, your credit bureau has failed to conduct thorough investigations and address the issues in a timely manner. I have followed all the necessary protocols, including providing supporting documentation and clearly stating the nature of the dispute. However, the responses I have received thus far have been generic and inadequate, reflecting a lack of commitment to resolving the issues at hand.

3. Failure to Provide Adequate Customer Support : Your credit bureau has consistently demonstrated a lack of responsiveness and transparency when dealing with consumer inquiries and concerns. Requests for clarification or updates on the status of disputes have often been met with delays or ignored altogether. As a consumer, I have the right to receive prompt and accurate information regarding my credit report and any disputes raised.

4. Unwarranted Damage to Credit Reputation : The continued presence of erroneous and unverified information on my credit report has resulted in significant damage to my credit reputation. This has not only affected my ability to secure loans and credit but has also resulted in higher interest rates, unfavorable terms, and limited financial opportunities. Your credit bureau 's failure to uphold its responsibility in ensuring accurate and fair credit reporting has caused undue financial and emotional distress.

In light of these ongoing violations, I request the following actions to rectify the situation : 1. Prompt Investigation and Correction : I demand that your credit bureau conduct an immediate and thorough investigation into the inaccuracies and errors present on my credit report. This investigation should encompass all disputed accounts, personal information, and payment histories. I request that any erroneous or unverified information be promptly corrected or removed from my credit report.

2. Written Confirmation and Documentation : I request written confirmation of the investigation process, including the specific actions taken and the timeframe for resolution. Additionally, I demand copies of all documents and evidence considered during the investigation to ensure transparency and accountability.

3. Suspension of Reporting : Pending the resolution of this matter, I demand that your credit bureau suspend the reporting of any disputed information to lenders, credit issuers, or any other third parties. It is imperative to prevent further damage to my credit reputation while this dispute is being addressed.

4. Compensation for Damages : The inaccuracies and negligent practices of your credit bureau have resulted in tangible financial losses, as well as emotional distress and inconvenience. I request fair and adequate compensation for the damages incurred due to your agency 's violations of my consumer rights.

I expect your credit bureau to treat this matter with the utmost urgency and resolve it promptly. Failure to address these violations adequately will leave me with no choice but to seek legal remedies to protect my consumer rights.

Please acknowledge receipt of this complaint within [ specify a reasonable timeframe, e.g.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation