Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to file a formal complaint regarding the handling of an issue by XXXX XXXX XXXX and Experian, which has led to significant financial and emotional distress on my part. 

Approximately XXXX months ago, I initiated a claim with XXXX  XXXX XXXX due to an accounting error on their part. They erroneously charged my credit card account several hundred dollars due to a misunderstanding. Despite numerous attempts to rectify the situation through extensive communication with XXXX XXXX XXXX, the issue persisted unresolved for an extended period. 

Frustrated by the lack of progress and the financial impact caused by XXXX XXXX XXXX XXXX error, I escalated the matter by opening a claim with the Consumer Financial Protection Bureau ( CFPB ). Subsequently, the issue was finally resolved after intervention from the CFPB, and I believed the matter to be settled. 

However, on XX/XX/2024, I discovered a drastic drop of approximately XXXX points in my credit score. Upon further investigation, I found that this decline was attributed to an " overdue balance '' on my account, which was, in fact, the same erroneous charge that XXXX XXXX XXXX had previously acknowledged and resolved. Despite being assured of resolution, XXXX XXXX XXXX XXXX negligence persisted, causing severe harm to my creditworthiness. 

In an attempt to rectify the situation, I promptly initiated a dispute with Experian, one of the major credit reporting agencies, providing all necessary documentation to support my claim. Despite my efforts, Experian 's response, received on XX/XX/2024, failed to address the inaccuracies in my credit report. The reported " 30 days overdue '' payment for XXXX continues to unjustly tarnish my credit history, solely due to XXXX XXXX XXXX XXXX repeated errors. 

The relentless pursuit of resolution has taken an immense toll on my time, energy, and emotional well-being. Despite investing countless hours in communication with unresponsive and unhelpful customer service representatives, the issue remains unresolved. The incompetence and lack of professionalism exhibited by XXXX XXXX XXXX have pushed me to my limits, and I am left with no choice but to seek intervention from the CFPB. 

I urge the Consumer Financial Protection Bureau to intervene promptly and compel XXXX  XXXX XXXX and Experian to rectify the inaccuracies in my credit report. Furthermore, I request that appropriate measures be taken to compensate for the damages incurred as a result of their negligence. Failure to address this matter satisfactorily will leave me with no option but to pursue legal recourse, including seeking legal counsel to pursue further action against both companies.

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Attached documents contain : The Experian dispute results, the original letter I had sent to Experian regarding the dispute, as well as the original dispute I had submitted to the CFPB to resolve the initial issue of an accounting error of XXXX XXXX XXXX XXXX