Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Formal Complaint Against XXXX XXXX XXXX for Mishandling Account and Violating Consumer Protection Laws To Whom It May Concern : I am writing to formally file a complaint against XXXX XXXX XXXX for its ongoing and systemic mishandling of my account, failure to provide access, and actions that have negatively impacted my credit report. These actions violate my rights as a consumer under federal laws, and I request an urgent investigation into XXXX practices. 

XXXX has repeatedly refused to provide me access to my account despite my information being accurate and present in their system. This has directly obstructed my ability to make payments on my loan, manage my billing obligations, or rectify any discrepancies. As a result of their failure to resolve this issue : 1. My account has been falsely reported to credit bureaus ( including Experian ) with negative marks, citing reasons such as serious delinquency, historical loan delinquency, and time since delinquency is too recent. 
2. My credit score has been unfairly impacted due to XXXX negligence, resulting in a denial of credit from other financial institutions. 

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter directly with XXXX, including : Creating 5-6 investigations with their internal team, all of which were closed without any resolution or follow-up. 
Providing accurate information such as my email, phone number, and loan details to verify my identity and gain account access. 
Despite these efforts, XXXX unlawfully demanded sensitive personal information, such as my Social Security number and credit card details, over the phone. 

When I briefly regained access to my account, through an old link found on text I regained access to my account and I discovered that all my personal information ( XXXX and phone number XXXX ) matched their records ; Even with this, the next month they persisted in only wanting to receive my credit card information and zip code via phone only and refused to allow me to handle my account online personally for payments. This further demonstrates XXXX  mishandling of my account. 

Additionally, XXXX has failed to provide proper transparency or support throughout this process. Their refusal to investigate raises concerns about potential systemic issues and fraudulent practices against customers. 

Supporting Evidence Attached to this complaint are the following documents for your review : Screenshots and records of my account information as initially entered. 
Documentation of my repeated attempts to resolve this matter with XXXX. 
Experians credit report showing the negative impact of XXXX  false reporting. 
Denial of credit letters from other financial institutions citing delinquencies caused by XXXX  reporting. 


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