Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Against Experian for Breach of Privacy and Mishandling of Credit Report To Whom It May Concern, I am writing to file a formal complaint against Experian for a severe breach of privacy and mishandling of my credit report, resulting in grave consequences for my financial integrity and personal information. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  submitted accurate and pertinent disputes regarding my credit report to Experian. Unfortunately, an egregious error occurred on their part, leading to the inclusion of information belonging to another individual, XXXX XXXX XXXX into my credit report. It's important to note that XXXX XXXX XXXX resides in the same residence as I do. 

This unauthorized inclusion of XXXX XXXX XXXX files is a serious violation of my privacy and a breach of Experian 's responsibility in handling sensitive consumer data. The confusion between our information occurred due to an error on Experian 's part in distinguishing between the credit files of individuals residing at the same address. 
Furthermore, when I sought clarification on the status of my disputes, I was met with dismissive and inaccurate responses from Experian 's representatives. They not only ignored my valid dispute but also disregarded my concerns by falsely assuming my credit card affiliations, leading to an unjust dismissal of my legitimate claims. 
Moreover, upon reviewing my credit report on XX/XX/XXXX, I discovered additional erroneous information added, unrelated to my financial history, and erroneously associated with XXXX XXXX XXXXXXXX XXXX files. This further compounded the already severe breach of my privacy and Experian 's failure to maintain accurate and separate credit files for individuals residing at the same address. 
Despite repeated attempts to rectify this issue through communications with Experian 's customer service representatives, my concerns were met with a lack of accountability and refusal to acknowledge their mistakes. Their actions have caused undue stress, frustration, and a profound lack of confidence in Experian 's ability to handle sensitive consumer data competently and responsibly. 
I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into this matter and hold Experian accountable for : * Immediate removal of all unauthorized information, including XXXXXXXX XXXX XXXX XXXX files, from my credit report. 
* Thoroughly investigating the mishandling of my dispute materials and the breach of privacy. 
* Providing a comprehensive report outlining the steps taken to rectify this egregious error and prevent such incidents in the future. 
I request the CFPB 's intervention to ensure that Experian addresses this issue promptly and transparently. Failure to resolve this matter satisfactorily will necessitate the pursuit of legal recourse and further reporting to the appropriate authorities. 
I appreciate your immediate attention to this serious matter. 
Sincerely, XXXX XXXX