Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian Information Solutions , Inc.** XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : Formal Complaint and Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) ** To Whom It May Concern, I am writing to formally lodge a complaint and to provide notice of violation concerning my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to the actions taken by Experian regarding my credit report.

**Details of the Complaint : ** 1. **Dispute Closure** : On [ XXXX, XXXX ], I submitted a dispute regarding certain inaccuracies found in my credit report. On XXXX ], I received notice from Experian that my dispute was closed, and the information was verified as correct.

2. **Subsequent Modifications** : However, I have recently observed that numerous modifications have been made to the disputed information in my credit report since it was closed. These modifications appear to be an attempt by Experian to contest its previous verification and to evade responsibility for the resulting harm and negligence that I have suffered due to the inaccuracies in my report.

3. **Investigative Requirements** : During this investigation, I stipulate that any continuing investigation into these items must include the disclosure of wet signatures and contracts associated with the accounts in question. If these documents can not be provided, I request that the account be removed from my credit report entirely as mandated by applicable regulations.

4. **FCRA Violations** : The actions taken by Experian constitute violations of the FCRA, specifically in relation to the accuracy of information reported and the obligations surrounding the dispute process. The FCRA mandates that credit reporting agencies maintain accurate records, and the changes made following the closure of my dispute suggest a failure to uphold that standard.

5. **FDCPA Violations** : Additionally, these actions may also reflect violations of the FDCPA, as they may be construed as unfair practices that impact my personal and financial well-being. I believe that the modifications made in an attempt to mitigate liability for your previous negligence exhibit behavior contradictory to the ethical standards mandated by the FDCPA.

**Resolution Requested** : I request that Experian : - Immediately cease all modifications to my credit report that have been made post-dispute closure.

- Provide me with a comprehensive explanation for the alterations made to my credit report while noting the basis for their legitimacy.

- Conduct a thorough investigation that includes the disclosure of wet signatures and contracts associated with the accounts in question ; if these can not be provided, the account should be removed from my credit report.

- Provide correction of the inaccurate information, ensuring full compliance with both the FCRA and FDCPA.

- Compensate me for any damages incurred due to these violations.

Please treat this complaint with urgency and the seriousness it warrants. I expect acknowledgment of this letter within 15 days and a detailed response regarding the actions that will be taken to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]