Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Date XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Experian and Dispute of Report Number XXXX Dear CFPB Complaints Department, I am writing to formally file a complaint against Experian regarding their mishandling of my credit file and failure to properly investigate and resolve my disputes under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

On [ insert date ], I submitted a dispute to Experian regarding inaccuracies and unverifiable information appearing in my credit file ( Report XXXX XXXX ). Despite my efforts to have these matters addressed, Experian has failed to provide proper validation, proof, or updates to my credit report. This letter outlines my complaint and the steps I expect the CFPB to take to ensure compliance with federal law. 

The inaccuracies in question include the following : 1. Incorrect Addresses Listed in My Credit Report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Unverifiable Accounts Listed in My Credit Report : XXXX XXXX XXXX XXXX. XXXX XXXX. 

I have repeatedly requested Experian to provide detailed documentation to validate the accuracy of these entries, including original contracts, billing records, and verification from the respective creditors. Under 15 U.S.C. 1681i, Experian is required to investigate and either verify or remove inaccurate or unverifiable information. Their continued failure to comply with these requirements has caused undue harm to my financial reputation and creditworthiness. 

Additionally, Experian may have violated 15 U.S.C. 6802, which governs consumer privacy rights and limits the unauthorized use or sharing of personal information. This raises serious concerns about the handling and security of my sensitive data. 

To support my complaint, I am providing the following documents : 1.A copy of my government-issued ID for identity verification 2.A recent utility bill confirming my current address 3.A copy of my Experian credit report highlighting the disputed entries I respectfully request the CFPB to investigate Experians practices and hold them accountable for their failure to meet federal legal standards. Specifically, I urge the CFPB to : Ensure Experian complies with the FCRA and fully investigates and resolves my disputes within the legally required time frame. 
Address potential violations of consumer privacy rights under 15 U.S.C. 6802.

Compel Experian to provide transparent communication about the resolution of my disputes and provide me with updated credit reports reflecting corrections or deletions. 

I believe this matter requires urgent attention, and I appreciate the CFPBs role in protecting consumer rights and ensuring fairness in credit reporting. Please confirm receipt of my complaint and inform me of any additional steps I need to take to assist in your investigation. 

You can contact me at [ XXXX ] or [ XXXX ] for further information or updates regarding this complaint. 

Thank you for your time and attention. 

Sincerely, 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