Consumer complaint received 2025-02-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Request for Action Against Experian for Violations of the Fair Credit Reporting Act Dear Federal Trade Commission, I am writing to formally request that the Federal Trade Commission ( FTC ) take action against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that amount to credit fraud and identity theft. 

On XX/XX/XXXX, Experian accessed my credit report without my written consent, which constitutes a clear violation of my rights under the FCRA. Furthermore, they subsequently deleted my XXXX XXXX XXXX account, which had been paid, closed, and had never been late. The removal of this account not only negatively impacts my credit score but also undermines my financial integrity and trust in the credit reporting system. 

I have attached documentation supporting my claim, including a letter from XXXX XXXX XXXX that confirms their update of my account information and their reporting of this account to all three credit reporting agencies. This documentation illustrates the unjust actions taken by Experian and the distress caused by their negligence. 

Additionally, I would like to highlight Experian 's failure to comply with XXXXory Compliance**. Credit reporting agencies are required to adhere to various state and federal regulations, and Experian 's actions reflect a serious disregard for these laws. Their lack of effort to comply not only violates consumer rights but also poses significant risks to consumers like myself.

I urge the FTC to investigate this matter thoroughly and take appropriate action against Experian to prevent such violations from occurring in the future. The unauthorized access of my credit report and the subsequent deletion of a valid account is not only unethical but also detrimental to consumers.

Thank you for your attention to this matter. I look forward to your prompt response and to seeing justice served against these practices that jeopardize consumer rights.

FEDERAL TRADE COMMISSION EXPERIANS USING STALL TACTICS ASKING FOR MORE IDENTIFICATION THEY ALREADY HAVE ALL OF MY INFORMATION. Not complying Wilful non compliance with the Fair Credit Reporting Act ( FCRA ) occurs when someone intentionally or recklessly violates the law. The FCRA outlines civil penalties for willful violations, including actual damages, statutory damages, and punitive damages. 
Penalties Actual damages : Any damages the consumer has suffered as a result of the violation Statutory damages : A minimum of {$100.00} and a maximum of {$1000.00} per violation

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