Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Attorney General of Georgia Georgia Department XXXX XXXX - Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Complaint Inaccurate Credit Reporting, XXXX Automation Violations , Unauthorized Public Disclosure of Tradelines, and Demand for Compensation To Whom It May Concern, I am filing this formal complaint against ExperianXXXX XXXX XXXX XXXX XXXX  as well as [ Original Creditor 's Name Listed Below ], due to inaccurate credit reporting related to securitized XXXX, unauthorized public reporting of tradelines, and failure to properly investigate disputes under federal law. 
Additionally, I am providing evidence of non-compliance, as my XXXX Mail dispute from XX/XX/year> was ignoreda direct violation of consumer protection laws. As a result of these violations, I have suffered financial harm, including damage to my XXXX XXXX, financial XXXX, and loss of opportunities such as loans, housing, and employment. 
Failure of XXXX to XXXX a Reasonable Investigation Credit reporting agencies automate disputes through XXXX  a system that fails to provide a meaningful investigation, violating XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ). Instead of manually reviewing disputes, XXXX assigns two-digit codes, drastically simplifying complex claims, preventing a proper investigation into securitized XXXX 
Securitization renders the original creditor unable to legally claim continued ownership of a charged-off debt, meaning its continued reporting is inaccurate and harmful. Because XXXX  automation can not process securitization disputes, my complaint requires manual review by a qualified XXXX under FCRA guidelines. 
Unauthorized XXXX XXXX of Tradelines Additionally, credit reporting agencies never received consent or authorization to publicly report tradelines related to the following accounts. Under XXXX XXXX. XXXX of the FCRA, credit bureaus must have a valid legal basis before reporting tradelines. The disclosure of these tradelines constitutes unauthorized reporting, leading to negative financial consequences. 
Experian Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Violations & Supporting Evidence The Certified Mail dispute sent in XX/XX/year> serves as legal evidence of non-compliance, as the credit bureaus failed to respond within the required timeframe, violating FCRA regulations and other consumer protection laws : XXXX U.S.C. XXXX ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation and correct inaccurate reporting. 
Regulation Z of the Truth in Lending Act ( TILA ), XXXX C.F.R. XXXX Mandates transparency in ownership transfers of securitized debt. 
Georgia XXXX XXXX Practices XXXX ( XXXX. XXXX et seq. ) Prohibits deceptive financial practices, including misrepresentation of securitized debts. 
Georgia XXXX XXXX XXXX ( XXXX. XXXX et seq. ) Ensures debt transactions are legally compliant and properly disclosed. 
XXXX XXXX. XXXX ( FCRA ) Prevents unauthorized distribution of credit tradelines without consumer permission. 
CFPB & FTC guidelines Mandate consumer protection enforcement and require a proper response to disputes filed via certified mail. 
Demand for Compensation Due to Financial Harm Due to the negligence and violations outlined in this complaint, I have suffered significant financial harm, including : Damage to my XXXX XXXX, affecting my ability to obtain loans, housing, and employment. 
Financial distress, including denial of credit opportunities due to false reporting. 
Loss of economic opportunities, directly caused by continued reporting of securitized XXXX 
As a result, I am demanding compensation for damages caused by these violations. Under XXXX XXXX. XXXX of the FCRA, entities that willfully violate consumer protections XXXX be liable for monetary damages. 
Demand for Immediate Action I formally request the CFPB, FTC, and Georgia Attorney General XXXX XXXX to investigate this matter, enforce corrective action, and ensure compliance with federal and state laws. 
Immediately remove the inaccurate securitized XXXX  entries from my credit report. 
Conduct a formal investigation into the unauthorized public disclosure of tradelines. 
Require credit bureaus to manually investigate disputes and cease reliance on XXXX  automation for complex credit issues. 
Provide written confirmation of corrective measures taken. 
Compensate me for financial damages incurred due to these violations. 
Per federal law, I expect a formal response within XXXX  days. Failure to address this matter will result in further complaints and legal escalation. 
Thank you for your immediate attention to this matter. 
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