Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Subject : Formal Complaint Regarding Unfair Treatment and Discrimination as a Consumer Dear Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), I am writing to formally express my deep concerns and dissatisfaction regarding the unfair treatment and discriminatory practices I have experienced as a consumer in my dealings with Experian. My recent experience with their handling of my credit dispute highlights a blatant disregard for consumer rights, as set forth by the Fair Credit Reporting Act ( FCRA ), and has left me feeling discriminated against and unfairly treated in the process. 

On XX/XX/year>, I submitted a detailed request to Experian, alerting them to multiple inaccuracies in my credit report that were causing significant harm to my financial standing. I requested that they investigate and correct the discrepancies, as I have the legal right to dispute inaccurate or incomplete information on my credit report. However, the response I received was dismissive and fails to comply with federal law. Instead of addressing the core issue and fulfilling their obligation to investigate and correct my report, Experians response simply stated that the request did not appear to have been sent directly by me, despite clear evidence to the contrary. 

This decision to withhold any action based on an arbitrary judgment about the authenticity of my request is discriminatory and has only furthered the damage to my financial credibility. This practice goes against the FCRA, which mandates that credit reporting agencies must reinvestigate disputed information in a consumers file free of charge, without imposing unnecessary and baseless hurdles on consumers like myself. Their failure to investigate my disputes not only violates this mandate but also reflects an underlying bias and discriminatory treatment against me as a consumer. 

I have provided them with my personal information, including my Social Security Number and Date of Birth, to ensure proper identification and verification. Yet, despite this, Experians refusal to engage with my dispute, under the pretext of unauthorized submission, is unjustified and unfair. I feel that I have been targeted and dismissed without due consideration, leading to undue stress and financial harm. 

I ask that the FTC and CFPB urgently investigate this matter, as it pertains not only to my personal experience but potentially to a pattern of discriminatory practices against consumers by Experian. I am seeking fair treatment, compliance with the FCRA, and immediate action on the part of Experian to address my disputes in good faith. 

I am confident that your agencies will take this matter seriously and ensure that consumers like myself are protected from such unfair treatment. I look forward to a prompt resolution of this issue and an end to discriminatory practices that undermine the integrity of the credit reporting system. 

Sincerely, XXXX XXXX