Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Date : XX/XX/XXXX Subject : Credit Score Dispute / Investigation Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. By XX/XX/XXXX, my credit score dropped from XXXX to XXXX and further decreased to XXXX. On the same day, I initiated several disputes and provided my revised FTC/IdentityTheft complaint. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former Experian credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms. 

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed. 

The previous investigation was another violation of my rights and the FCRA, as Experian failed to take my concerns seriously and sided with these creditors. Experian 's statement that " I should have known '' about the accounts on my profile is unacceptable. Once I became aware of these discrepancies, I promptly disputed the items. It is apparent that these creditors are paying customers, and I am a consumer ; however, it is against my rights for Experian to exhibit bias and leave consumers with no chance of correcting errors. 

Please contact XXXX and inform them that these accounts are accurate and need to be corrected accordingly. 

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits, including : - *XXXX XXXX  Experian** - *XXXX XXXX Experian Information Solutions , Inc. , No . 21-2632 ( 7th Cir. 2023 ) : ** The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- **XXXX XXXX Experian : ** XXXX XXXX case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience. 

Experian acknowledges that emotional distress damages are recoverable under the FCRA. I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX