Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to formally escalate a complaint against Experian for their persistent, egregious, and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal statutes. Despite multiple attempts to resolve inaccuracies on my credit report, Experian has consistently failed to correct these errors within the required 30-day timeframe, causing severe and ongoing financial hardship. 

Experian 's actions constitute a blatant disregard for consumer rights and have resulted in significant damage to my creditworthiness, financial stability, and overall well-being. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like Experian, must investigate and respond to disputes within a specific timeframe. By exceeding the 30-day timeframe to address the disputed information, Experian has directly violated the provisions of 15 USC 1681i ( b ). 

The following specific inaccuracies continue to be reported, along with corresponding violations of the FCRA and other applicable statutes : * Incorrect spelling of my name. 
* XXXX XXXX XXXXXXXX, account number XXXX  : * Incorrect payment history and charge-off status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to credit card billing error dispute handling. 
* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. 
* XXXX XXXX XXXX, account number XXXX : * Inaccurate payment history and incorrect repossession status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to billing error dispute handling, if applicable to this account type. 
* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. 
* XXXX XXXX XXXX, account number XXXX : * Incorrect charge-off status and balance, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* XXXX XXXX XXXX ( XXXX XXXX  ), account number XXXX : * Dispute previously resolved but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). 
* XXXX XXXX XXXX ( XXXX ), account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. 
* XXXXXXXX XXXX XXXX ( XXXX XXXX ), account number XXXX : * Dispute previously raised but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). 
* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. 
* XXXX XXXX XXXX ( XXXX XXXX XXXX ), account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. 

Additionally, Experian has failed to investigate and correct unauthorized inquiries on my credit report, which is a direct violation of 15 USC 1681i ( failure to follow reasonable procedures to assure maximum possible accuracy of information ). 

Furthermore, Experian 's persistent attempts to verify my identity by mailing documents to my current address, despite clear instructions to the contrary, constitutes a violation of my privacy rights and may be indicative of identity theft or fraud. This practice is in direct violation of 18 USC 1028A ( Identity Theft and Fraud ). 

Experian 's continued and willful disregard for consumer rights, coupled with their failure to comply with federal law, warrants immediate and decisive action by the CFPB. 
I request that the CFPB investigate Experian 's practices and hold them accountable for their egregious violations of the FCRA and other applicable statutes. Specific violations include, but are not limited to : * 15 USC 1681i : Failure to investigate and correct disputed information * 15 USC 1681b : Failure to comply with timeframes for dispute resolution * 15 USC 1666b : Truth in Lending Act violations ( potential ) * 15 USC 1601 : Truth in Lending Act violations ( potential ) * 18 USC 1028A : Identity Theft and Fraud * 15 USC 6802 : Fair Credit Reporting Act * 15 USC 1692g : Fair Debt Collection Practices Act ( potential, if applicable ) * 18 USC 894 : Fraud and Related Activity in Connection with Identification Documents and Features * 18 USC 1692 : Fair Debt Collection Practices Act ( general provisions ) * 604 : Fair Credit Reporting Act ( specific provisions ) I am requesting that the CFPB order Experian to immediately correct the inaccuracies on my credit report, conduct a thorough investigation into my account, and provide written confirmation of the corrections. I am also requesting that Experian be required to place a fraud alert on my credit report to prevent further unauthorized inquiries. 

Furthermore, I am seeking monetary damages for the harm caused by Experian 's negligence and violation of my consumer rights. 

Additionally, I am requesting that the CFPB compel Experian to provide detailed documentation regarding their verification process for the disputed accounts, including the names of individuals they contacted, the dates and times of those contacts, and the specific methods used to verify the authenticity of the information obtained. 

Furthermore, I am requesting that the CFPB investigate Experian 's failure to follow my written instructions regarding the dispute resolution process. Experian has repeatedly ignored my requests to correct the inaccuracies on my credit report, despite clear and concise instructions. This failure to comply with my written instructions is a further violation of my consumer rights. 

Finally, I am requesting that the CFPB order Experian to remove the fraud alert from my credit report. The fraud alert is no longer necessary and is causing me further financial hardship. 
Enclosed are copies of my previous correspondence with Experian, my credit report, and supporting documentation. I am available to provide any additional information that may be required. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX