Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Subject : Complaint against XXXX, Experian, and XXXX for Violation of Consumer Rights and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding the inaccurate and negative information they have reported on my credit report. This complaint is in connection with their blatant disregard for my consumer rights, lack of response to previous disputes, and failure to provide proper verification for the alleged debts. 
I have diligently followed the appropriate procedures to dispute the negative items on my credit reports that I believe to be inaccurate or misleading. Despite submitting disputes, none of these credit reporting agencies have honored my requests to rectify these inaccuracies. This repeated lack of action on their part is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I have not received any adequate method of verification from XXXX, Experian, and XXXX to substantiate the validity of the reported debts. As per FCRA guidelines, I am entitled to receive detailed information about the method used to verify the debts in question. The agencies ' failure to provide this information further exacerbates their violations of my consumer rights. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX. - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX, Experian, and XXXX 's negligent actions, my creditworthiness has been unfairly impacted. This not only affects my ability to secure loans or credit but also imposes severe financial hardships upon me. I am therefore seeking monetary damages of {$1000.00} for each violation of the Fair Credit Reporting Act, totaling {$6000.00}, to address the undue distress and harm caused by their actions. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against XXXX, Experian, and XXXX for their repeated violations of my consumer rights. I trust that your agency will work to ensure that my credit report is accurate and fairly reflects my credit history. 
Enclosed with this complaint are copies of the previous dispute letters I have sent to the credit reporting agencies, as well as any correspondence or responses I have received from them. Please do not hesitate to contact me if any further information is required to assist in the resolution of this matter. 
Thank you for your attention to this important issue. I look forward to a prompt and thorough investigation into this matter and the resolution of the violations I have outlined. 
Sincerely, XXXX XXXX

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