Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Statement of Violations Experian Credit Bureau Submitted on behalf of XXXX XXXX By XXXX XXXX XXXX XXXX | XXXX XXXX, XXXX To Whom It May Concern : 1. Missing Experian Credit File As of XX/XX/XXXX, Experian failed to produce or maintain an active credit file for XXXX XXXX. According to the XXXX XXXX-bureau report, Experians system reports Credit file not found. This remains unresolved despite prior notifications and dispute efforts. 

This constitutes violations of : - 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy - 15 U.S.C. 1681i ( a ) failure to reinvestigate and correct inaccurate or incomplete consumer data - 15 U.S.C. 1681g ( a ) ( 1 ) failure to disclose the complete file to the consumer - 15 U.S.C. 1681n willful noncompliance with liability for statutory damages of up to {$1000.00} per violation - 15 U.S.C. 1681o negligent noncompliance with the same legal obligations This missing credit file has directly harmed XXXX XXXX ability to secure critical business funding, causing measurable financial harm, emotional distress, and undue delay in her entrepreneurial efforts. 

2. Removal of Current Address Experian has also removed XXXX XXXX current address ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ) from her credit file. This change was neither requested nor authorized and occurred through no fault of her own. 

Violations include : - 15 U.S.C. 1681i ( a ) failure to reinvestigate and properly report accurate personal identifiers- 15 U.S.C. 1681g ( a ) failure to fully disclose information within the consumers file - 15 U.S.C. 1681n and 1681o willful and/or negligent noncompliance with FCRA obligations Removing an address without consumer consent impairs identity verification, affects creditworthiness, and further delays vital business-related processes. 

3. Fraudulent Inquiry by XXXXXXXX XXXX XXXX An unauthorized inquiry from XXXXXXXX XXXX XXXX dated XX/XX/XXXX, was reported by Experian without permissible purpose or consent. XXXX XXXX never authorized XXXX XXXX to access her consumer report. 

This violates : - 15 U.S.C. 1681b ( f ) obtaining a consumer report without a legally permissible purpose - 15 U.S.C. 1681c-2 failure to block fraudulent or identity theft-related entries- 15 U.S.C. 1681n and 1681o creating liability for both willful and negligent failure to comply with FCRA mandates Damages and Remedy Sought Pursuant to the above statutes, XXXX XXXX is seeking the following fair resolution : 1. {$1000.00} in statutory damages per FCRA violation, under 15 U.S.C. 1681n and 1681o 2. Immediate removal of the unauthorized inquiry by XXXXXXXX XXXX XXXX 3. Restoration of her current address and correction of her Experian profile 4. A full written confirmation that her file has been updated since XX/XX/XXXX 5. A formal statement from Experian acknowledging these violations and the steps taken to correct them If Experian fails to resolve these matters within XXXX calendar days, we will pursue : - Binding arbitration - Regulatory complaints with the CFPB, FTC, and XXXX - Legal claims for statutory, actual, and treble damages, totaling up to {$180000.00} Respectfully submitted, XXXX XXXX XXXX XXXX Authorized Agent for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NY 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