Consumer complaint received 2024-05-21 00:00:00
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.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my credit score dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher

credit score signifies lower risk to lenders and better loan terms. This situation constitutes a v
iolation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damag

es and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} million settlement over similar issues. These actions by Experian constitute " Fals
e Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - Steelman v. Experian - Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA.

- Bailey v. Experian : Bailey 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA. 

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX. XXXX or in the Experian App. Do to the sight and app not functioning properly!

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 non-monetary relief