Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Experian 's Reporting Practices Dear CFPB Team, I am writing to formally lodge a complaint against Experian regarding their inaccurate reporting practices that have adversely affected my XXXX XXXX and my ability to secure housing. 

Recently, I discovered that Experian deleted positive accounts from my credit report without any justifiable reason. My credit score, which was previously XXXX, has now dropped to XXXX due to these deletions. This significant decline in my score has caused me to face higher security deposit requirements while trying to secure housing. 

Attached is an adverse action letter from XXXX, dated XX/XX/year>, which states that they obtained my background report from Experian. The letter indicates that the decision was influenced by factors related to my credit history, which have now been misrepresented due to Experian 's actions. 

Furthermore, I believe Experian has violated 15 U.S. Code 1681a - Definitions ; rules of construction. This statute defines key terms relevant to consumer reporting, including : ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report : ( 1 ) In general the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes.

The deletion of positive accounts is not only unjust but also contrary to the protections afforded to consumers under these regulations.

I am including documentation to substantiate my claims, including the adverse action letter and relevant credit reports.

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian to ensure compliance with federal law. I hope for a prompt resolution to rectify my credit report and restore my score to its rightful status.

Thank you for your attention to this matter. I look forward to your 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