Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Against Experian for Neglecting Credit Report Disputes, Reinserting Deleted Accounts, and Data Breach Exposure To Whom It May Concern, I am writing to file a formal complaint against Experian for repeated failures to properly handle my credit report disputes, the unlawful re-insertion of deleted accounts, and the exposure of my personal information due to a data breach.

XXXX. Neglecting Credit Report Claims and Failure to Properly Investigate Disputes : I have submitted multiple disputes to Experian regarding inaccuracies on my credit report. However, Experian has either ignored or inadequately addressed my claims. In some cases, disputes have not been properly escalated for investigation, and I was not provided with any substantial update or resolution. When I did receive responses, they were often unclear or contradictory, and I was not given the full details of the investigation or findings, leaving me uncertain about the outcome.

2. Reinsertion of Accounts Previously Deleted : On more than one occasion, I have noticed that certain accounts, which had previously been disputed and required to be deleted following an investigation, were later reinserted into my credit report without any explanation. I have followed up with Experian, but the issues were not resolved, and the inaccurate information continues to appear. This re-insertion of information that was confirmed to be erroneous is in direct violation of the Fair Credit Reporting Act ( FCRA ), and Experian has failed to take adequate steps to prevent this from recurring.

3. Exposure of Personal Information Due to Data Breach : Additionally, I have recently discovered that my personal information was compromised as a result of a data breach involving Experian. My data is currently circulating on the dark web, putting my financial and personal security at risk. I am deeply concerned about the lack of communication from Experian regarding this breach and the steps taken to protect my sensitive information.

4. Inadequate Resolution and Lack of Transparency : Despite multiple attempts to contact Experian, I have not received satisfactory resolutions. The lack of response to my disputes, reinsertion of inaccurate information, and negligence in handling the data breach has led to significant stress and potential harm to my financial well-being.

I request that the CFPB investigate Experians failure to comply with the FCRA and the Consumer Financial Protection Act ( CFPA ), specifically regarding their mishandling of credit report disputes, improper reinsertions of deleted accounts, and failure to address the data breach that exposed my information. I also ask for a resolution to ensure that my credit report reflects accurate and verified information and that Experian takes responsibility for its actions. 

I am attaching all relevant documentation, including dispute records, any notices received from Experian, and details regarding the data breach. I would appreciate your prompt attention to this matter and a timely resolution. 

Thank you for your time and assistance. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information to be inaccurate. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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