Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Honorable XXXX XXXX Attorney General, I am writing to bring to your attention a matter of grave concern regarding the persistent inaccuracies and inconsistencies in my credit report as maintained and disseminated by XXXX, Experian, and multiple secondary credit reporting agencies. 

Despite my diligent efforts since XX/XX/XXXX ( over 316 days ), involving over 100 letters of dispute, complete with legal documentation and personal identification, my requests for correction have been egregiously disregarded. This letter serves as a formal complaint against the aforementioned agencies for their failure to adhere to established credit reporting standards and their blatant disregard for consumer rights. 

Included with this letter is a document from the Bankruptcy Court in Texas dated XX/XX/XXXX clearly stating its policy of non-reporting to credit bureaus. This pivotal piece of evidence has been repeatedly submitted to the credit bureaus, only to be met with unfounded allegations of forgery and unreasonable demands for personal information already provided. 

The reporting of a public record on my account is in direct violation of the CDIA 1997 Reporting Standards and Metro2 compliance, underscoring a flagrant abuse of my rights and a lack of data integrity. The inconsistency in reporting between Experian, XXXX, and XXXX, particularly the unique discrepancies noted in Experian 's records, highlights a systemic issue that undermines the credibility and functionality of the consumer credit reporting process. 

Furthermore, Experian 's repeated requests for verification of my credit information, suggesting unauthorized submission, is a tactic that has unduly delayed the resolution of these errors for 316 days. This practice is not only unethical but also illegal, stalling consumers ' efforts to rectify inaccuracies on their credit reports. 

I hereby cite three significant legal cases where consumers, faced with similar grievances, sought justice against Experian and prevailed : XXXX. XXXX XXXX XXXX v. Experian Information Solutions Inc . XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) XXXX. XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) These cases underscore the legal precedent for holding credit reporting agencies accountable for their negligent practices and the significant impact such errors have on consumers ' lives. 

I demand a thorough investigation into these matters, the immediate correction of my credit report to remove the inaccurately reported public record and all negative items, and compliance with my legal right to access my credit information without incurring fees. The current model, where consumers must pay to access their own informationinformation that is then sold for profitis unacceptable and demands reform. 

I look forward to your prompt attention to this matter and expect a resolution that restores my credit report 's accuracy and integrity, safeguarding my rights as a consumer. 

Sincerely, XXXX XXXX