Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, North Carolina, XXXX Email address : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 

XXXX, North Carolina, XXXX Subject : Formal Complaint Regarding Credit Reporting Errors and Violations of the Privacy Act Dear Sir/Madam, I am writing to file a formal complaint regarding multiple issues with the credit reporting agencies ( XXXX, XXXX, and Experian ) and third-party collection agencies, which have significantly impacted my financial well-being and privacy rights. I request your immediate assistance in resolving these matters in accordance with applicable laws and regulations. 

Issue 1 : Non-Mailable Address The credit reporting agencies have failed to update my address despite multiple requests, rendering their correspondence non-mailable as per 39 CFR 233.3. This has led to delays in receiving important financial information and has adversely affected my ability to manage my credit effectively.

Issue 2 : Misspelling of Name Furthermore, these agencies have persistently misspelled my name in their records, which has resulted in inaccuracies in my credit reports. Such errors violate the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, specifically 15 USC 1681e ( b ) and 12 CFR 1022.41.

Issue 3 : Third-Party Collection Agencies In addition to the credit reporting errors, I have been subjected to harassment by third-party collection agencies that are not affiliated with the original creditors. These actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and its relevant provisions.

Privacy Act Rights I also wish to invoke my rights under the Privacy Act of 1974, 5 USC 552a, which requires federal agencies to safeguard the confidentiality of personal information and to ensure its accuracy, relevance, timeliness, and completeness. 

I hereby request that the Consumer Financial Protection Bureau investigate these matters and take appropriate actions to rectify the errors and prevent further harm. Specifically, I seek : Correction of the inaccurate information on my credit reports. 

Removal of any derogatory remarks resulting from the actions of third-party collection agencies. 
Enforcement actions against the credit reporting agencies and collection agencies for their violations of relevant laws and regulations. 
Compensation for any damages incurred as a result of these errors and violations. 

Enclosed with this letter are copies of relevant documents supporting my claims, including correspondence with the credit reporting agencies and collection agencies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of any updates regarding the investigation of my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents ( e.g., credit report, correspondence ) Any other supporting evidence