Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Complaint Regarding Experian 's Violation of FCRA Rights Dear Sir/Madam, I am writing to file a formal complaint against Experian for its repeated and flagrant violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify inaccuracies in my credit report, Experian has not only refused to provide me with an updated report but has also failed to address the presence of unauthorized collection accounts from XXXX and XXXX XXXX XXXX XXXX Furthermore, Experian 's disregard for the regulations outlined in the FCRA has had severe repercussions on my financial well-being, undermining my ability to access essential financial services and causing undue hardship. 
In XX/XX/year>, I submitted a dispute to Experian regarding several inaccuracies on my credit report, including the presence of unauthorized collection accounts. Per my rights under FCRA and Title 15 USC, I requested a thorough investigation into these matters and the removal of any erroneous information. However, Experian has failed to fulfill its obligations under the law. Not only have they neglected to provide me with a current credit report, but they have also refused to address the unauthorized collection accounts from XXXX and XXXX XXXX XXXX XXXX 
Moreover, despite my repeated requests, Experian has failed to provide me with a signature certificate from XXXX and XXXX XXXX XXXX XXXX confirming any contractual agreement between myself and these companies. As outlined in Title 15 USC, no transaction history should be reported on a consumer report without proper verification and authorization. Experian 's failure to provide such documentation further underscores their disregard for consumer rights and their obligations under the law. 
It is imperative to emphasize the critical importance of accurate credit reporting to consumers. Inaccuracies in credit reports can have significant consequences, leading to lower credit scores and impacting individuals ' access to credit and financial opportunities. Experian 's refusal to address these inaccuracies not only violates FCRA regulations but also undermines the integrity of the credit reporting system, jeopardizing consumers ' financial well-being. 
I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into Experian 's practices and take immediate action to rectify these violations. I request that Experian be held accountable for its actions and compelled to provide me with an updated credit report free from inaccuracies and unauthorized collection accounts. Additionally, I request that Experian be required to provide the necessary documentation, including signature certificates, to verify the legitimacy of any reported transactions. 
Enclosed with this letter are copies of relevant documents, including correspondence with Experian and proof of my attempts to resolve this matter directly. I appreciate your attention to this issue and trust that you will take appropriate action to protect consumer rights and ensure fair and accurate credit reporting practices. 
Sincerely, XXXX XXXX