Consumer complaint received 2025-03-01 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:
Certainly! Here 's a revised version of your complaint letter that adds supporting documentation details and emphasizes your concerns about Experian 's practices. 

-- - **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXXFederal Trade CommissionXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX*Subject : Formal Complaint Against Experian for Violations of Credit Reporting Practices** Dear Sir/Madam, I am writing to formally lodge a complaint against Experian concerning their continued violations of consumer protection laws, specifically regarding their credit reporting practices. Despite recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, I have experienced significant issues that threaten consumer access to credit, employment, and housing. 

On XX/XX/XXXX, it became evident that Experian is conducting sham investigations that fail to adequately address consumer disputes. Their faulty intake procedures do not accurately convey all relevant information about disputes to the original furnisher, which has led to a regression in their accountability and a continuation of harmful practices.

As outlined in 15 U.S. Code 1681e, consumer reporting agencies must implement reasonable procedures to ensure maximum possible accuracy of consumer reports. Unfortunately, I have directly experienced the consequences of Experian 's negligence in this regard. 

I would like to provide supporting documentation from XXXX XXXX XXXX, indicating that they have updated my information and reported it to all bureaus. Below are the pertinent details : - **Report Number : ** [ Insert Report Number ] - **Date Generated : ** [ Insert Date ] - **Account Name : ** XXXX - **Account Number : XXXX XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed/Never late - **Status Updated : ** XX/XX/XXXX - **Balance : ** XXXX - **Balance Updated : ** XX/XX/XXXX Despite this positive account status, Experian has deleted this item from my credit report without justification. This raises serious concerns about why Experian is removing positive accounts, which can adversely impact my creditworthiness. 

Given the serious nature of these violations and their impact on consumers like myself, I urge the CFPB to take immediate action against Experian. It is crucial that consumer reporting agencies are held accountable to protect consumer rights and maintain the integrity of credit reporting. 

I look forward to your prompt attention to this matter and hope to see significant action taken against Experian to prevent further violations of consumer rights. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX CFPB EXPERIAN CORRECT MY RENTAL ACCOUNT AND FIRST PROGRESS CARD AS YOU CAN SEE WHEN THEY CORRECTED THEY DELETED FIRST PROGRESS CARD FROM MY REPORT SHORTING MY CREDIT HISTORY

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