Consumer complaint received 2024-04-23
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. (MS)

I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding their handling of my dismissed bankruptcy during the XXXX pandemic. Despite the dismissal of my bankruptcy case, these credit reporting agencies have continued to inaccurately report negative information on my credit report, causing significant financial harm and undue distress. Also, I spoke with the XXXX Bankruptcy XXXX House, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX, and they verbally informed me that they never communicated with XXXX, XXXX, or Experian in writing, via telephone call, nor electronic communication about a bankruptcy ( XXXX ) and that it is against the law for a XXXX party to receive information from a consumer without my consent. I am requesting documented proof of whom you spoke with or what documents you received on my behalf. Despite the dismissal of my bankruptcy, XXXX, Experian, and XXXX have failed to update my credit reports accordingly. This inaccurate reporting has hindered my ability to secure loans, obtain housing, and access other financial opportunities essential for my livelihood. Moreover, the persistent presence of this erroneous information has subjected me to unwarranted scrutiny and embarrassment. I have made multiple attempts to rectify this issue by contacting XXXX, Experian, and XXXX and providing them with documentation proving the dismissal of my bankruptcy. However, their responses have been inadequate and unhelpful, further exacerbating my frustration and distress. This mishandling of my credit information not only violates the Fair Credit Reporting Act ( FCRA ) but also demonstrates a blatant disregard for consumer rights and welfare, particularly during the unprecedented challenges posed by the XXXX pandemic. 

Furthermore, I wish to draw attention to FCRA Section 611 and 15 U.S.C. Section 1681 which stipulate my rights to accurate credit reporting and privacy. Additionally, 15 U.S.C. Section 1681 Section 604A ( 2 ) mandates that consumer reporting agencies can only furnish account information with my written instructions. 

As you are aware, these standards are clearly outlined in the XXXX XXXX XXXX XXXX 's ( XXXX ) nearly annual XXXX XXXX XXXX XXXX  ( XXXX ), which stipulates that any deviation from these standards risks compromising the integrity of the data. Therefore, I kindly request that you demonstrate the veracity of all allegations and comply with the requisite reporting practices to be deemed certifiably compliant. 

Despite my repeated attempts to communicate with your agency, the inaccurate reporting persists. This obstinate behavior is in direct contravention of federal law and compounds the harm already suffered. Therefore, I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against XXXX, Experian, and XXXX to rectify the inaccuracies on my credit reports and prevent similar occurrences in the future. Additionally, I request that these credit reporting agencies be held accountable for the financial and emotional damages inflicted upon me as a result of their negligence. 

Thank you for your attention to this matter. I appreciate your prompt resolution and the restoration of my credit integrity. 

Sincerely, XXXX XXXX