Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Urgent Complaint Against XXXX XXXX XXXX  for FCRA Violations Dear Sir/Madam, I am writing to urgently bring to your attention a matter of grave concern involving XXXX XXXX XXXXXXXX and their egregious handling of my credit account, which I believe constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). Allow me to express my appreciation for the roles that the Consumer Financial Protection Bureau and the Federal Trade Commission play in protecting consumer rights, and I am now compelled to seek your immediate intervention. 

Recently, I discovered that my account with XXXX XXXX XXXX, which is marked as Paid/Closed/Never Late, has been inexplicably deleted from my credit reports with XXXX, XXXX, and Experian XXXX After contacting XXXX XXXX XXXX to seek clarity on this perplexing elimination and to formally request a dispute to have my positive account reinstated, I was met with an unsatisfactory and dismissive response. They claim they are reporting my account accurately, yet they have failed to provide the essential documentation to substantiate their claims. 

This situation is particularly concerning because, despite my efforts to dispute this matter with all three credit reporting agencies, XXXX XXXX XXXX is blatantly disregarding the requirements mandated by the FCRA. I have attached screenshots confirming the deletion of my account from my credit reports, and I find it deeply troubling that in light of this issue, XXXX XXXX XXXX has opted to ignore my rights as a consumer. 

The FCRA categorically empowers consumers to dispute inaccurate information and requires that creditors conduct exhaustive investigations into such disputes, providing necessary evidence upon request. The failure of XXXX XXXX XXXX to comply with these obligations and their refusal to document the reporting history of my account is unacceptable. Their lack of transparency raises serious questions about their adherence to federal law, and it suggests a troubling pattern of disregard for consumer welfare. 

This disregard not only jeopardizes my creditworthiness but also undermines the integrity of our financial reporting system. I implore both the CFPB and the FTC to investigate this situation thoroughly, as it speaks volumes about the operational practices of XXXX XXXX XXXX and their overall compliance with the law. 

Thank you for your immediate attention to this pressing matter. I trust that your offices will take decisive action to safeguard my rights as a consumer and hold XXXX XXXX XXXX accountable for their actions. Your continued advocacy for consumers is crucial, and I eagerly await your prompt response. 

Sincerely,

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