Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a formal complaint against Experian, a major credit reporting agency, for its consistent and deliberate violations of my consumer rights through inaccurate reporting. Despite providing substantial evidence, Experian has failed to rectify the inaccuracies on my credit report, resulting in significant harm to my financial standing and creditworthiness. 

Despite my diligent efforts to provide comprehensive proof such as attaching a copy of all personal documents including photo id, SSC and proof of address, it is worth noting that XXXX XXXX XXXX has requested additional information, specifically the full account number or make and model of the vehicle. Regrettably, I do not possess access to this particular information as it was not provided to me or made available in previous communications. It is important to emphasize that I have provided all the relevant evidence and documentation at my disposal to support my case. 


I have diligently pursued resolution with Experian by submitting multiple letters and supporting documentation, clearly demonstrating the erroneous reporting and the lack of verifiable information from the original creditor, XXXX XXXX XXXX. However, Experian has negligently dismissed my concerns and has even added a second account with entirely fabricated details, compounding the harm inflicted upon my credit profile. 

Enclosed with this complaint, you will find copies of all correspondence exchanged with Experian, including my initial complaint letters, Experian 's inadequate responses, and the irrefutable evidence supporting my claims. This evidence includes explicit statements from XXXX XXXX XXXX, stating the nonexistence of any account matching the reported details. Moreover, I have provided screenshots, letters, and additional documentation to substantiate my case. 

The inaccurate reporting by Experian has had severe consequences, impeding my access to credit, loan approvals, and financial opportunities. Specifically, Experian has reported two separate amounts associated with the same account number, which are completely fabricated. The first amount is reported as {$17000.00}, and the second amount is reported as {$15000.00}. These inconsistencies further demonstrate Experian 's disregard for accurate reporting and its violation of consumer rights. 

I firmly believe that Experian 's actions not only violate the Fair Credit Reporting Act ( FCRA ) but also undermine the fundamental rights granted to consumers like myself. 

In light of the aforementioned circumstances, I kindly request the following actions by the Consumer Financial Protection Bureau : Thorough investigation : I urge the Consumer Financial Protection Bureau to conduct a thorough and impartial investigation into the inaccuracies reported by Experian on my credit file. The evidence I have provided demonstrates clear discrepancies between Experian 's reporting and the information obtained directly from XXXX XXXX XXXX, the original creditor. 
Enforcement of FCRA compliance : I implore the Consumer Financial Protection Bureau to ensure that Experian complies with its obligations under the Fair Credit Reporting Act. Experian must be held accountable for its negligent reporting practices and the resulting harm inflicted upon consumers. It is essential to protect the rights of consumers and maintain the integrity and accuracy of credit reporting. 
Remedial measures and compensation : Given the significant financial and reputational harm caused by Experian 's actions, I request appropriate remedial measures be taken to rectify the inaccuracies on my credit report. Additionally, I seek fair and just compensation for the damages incurred, including costs associated with rectifying the inaccuracies, legal expenses, and the negative impact on my creditworthiness. 
I trust that the Consumer Financial Protection Bureau, as a regulatory body, will act promptly and effectively in addressing this matter. It is imperative to safeguard the rights of consumers and ensure that credit reporting agencies operate ethically, transparently, and in compliance with relevant laws and regulations. 

I kindly request written confirmation of receipt of this formal complaint, along with a detailed outline of the actions taken by the Consumer Financial Protection Bureau to investigate and address my concerns, within 30 days of your receipt. Your timely intervention and diligent investigation will be greatly appreciated. 

Thank you for your attention

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