Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Against Experian for FCRA Violations and Inaccurate Credit Reporting Complainant Information : Name : XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX XXXX XXXX : Experian Summary of Complaint : I am submitting this complaint regarding multiple violations of federal and state consumer protection laws by Experian, as evidenced by the denial letters attached in the uploaded document. These issues include Experians failure to provide accurate and complete information to creditors, failure to verify my identity, and the inclusion of an inaccurate credit score on my personal credit report. 

Specifically : XXXX. Failure to Provide My Credit Score to Creditors : Creditors have denied me credit because Experian failed to include my credit score in the reports provided to them. This omission directly violates : FCRA Section 607 ( b ) : Reasonable procedures must be followed to ensure maximum possible accuracy in consumer reports.

FCRA Section 609 ( a ) : Consumers have the right to accurate and complete information in their credit files. 



XXXX. Failure to Verify My Identity : Experian has failed to verify my identity when providing credit reports to creditors, which has resulted in incomplete reports and has likely contributed to the credit denials. This violates : FCRA Section 610 ( a ) : Proper identification of a consumer is required before disclosing information.

FCRA Section 607 ( a ) : Reasonable procedures must be used to ensure accurate and reliable reporting of consumer information. 



XXXX. Inaccurate Credit Score on My Personal Report : The credit report I received from Experian contains a score of XXXX, which I believe is outdated or inaccurate. This score does not align with my financial profile, and I have no way of confirming if this score was used in reports provided to creditors. This violates : FCRA Section 607 ( b ) : Experian is obligated to provide accurate and up-to-date information. 

FCRA Section 605 ( a ) : Adverse information older than 7 years can not be included in consumer reports.

Evidence Provided : I have attached denial letters from creditors explicitly stating that Experian failed to provide a credit scorXXXX or complete report. These documents demonstrate Experians noncompliance with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission Act ( FTC Act ), and Californias Consumer Credit Reporting Agencies Act ( CCRAA ). 


-- - Laws Violated and Penalties : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Reasonable procedures for accuracy.

Section 609 ( a ) : Right to access complete information.

Section 610 ( a ) : Identity verification requirements. 

Section 605 ( a ) : Prohibition of outdated adverse information. 



XXXX. Federal Trade Commission Act ( FTC Act ) : 15 U.S. Code 45 : Prohibition of unfair or deceptive practices. 



XXXX. California Consumer Credit Reporting Agencies Act ( CCRAA ) : XXXX. XXXX. Code XXXX : Procedures to ensure accuracy. 

XXXX. XXXX. Code XXXX : Proper identity verification. 





-- - Harm Caused : Experians actions have caused me significant harm, including multiple denials of credit, damage to my creditworthiness, and emotional distress. These denials have limited my access to financial opportunities, including the ability to secure loans and credit necessary for my personal and professional needs. 


-- - Requested Resolution : To resolve this matter, I am requesting the following : XXXX. Immediate Corrections : Full correction of my credit report, ensuring that my credit score is accurate, current, and included in all reports provided to creditors. 



XXXX. Accountability : A detailed explanation from Experian regarding the omissions and inaccuracies, including : Why my credit score was not provided to creditors.

How Experian verified my identity for creditor inquiries.

Whether the credit score of XXXX is accurate and up to date. 




XXXX. Financial Compensation : Compensation for the harm caused, including statutory damages, actual damages for lost financial opportunities, and punitive damages for Experians willful violations. 



XXXX. Changes in Procedures : A commitment from Experian to implement stronger procedures to ensure compliance with the FCRA and other relevant laws to prevent similar issues for other consumers. 





-- - I request the CFPB investigate this matter thoroughly and ensure Experian complies with all federal and state laws. Please contact me at your earliest convenience if additional information is required. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation