Consumer complaint received 2024-12-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date : XX/XX/scrub>XXXX XXXX Experian Credit Bureau Compliance and Legal Department [ Experian 's Address ] [ City, State, Zip Code ] Subject : Formal Demand for Compensation and Notice of Continued Violations Dear Experian Compliance and Legal Department, I am writing to formally demand compensation for the significant harm and injury I have endured as a result of your inadequate practices concerning the reporting of inaccurate and fraudulent information related to my credit file. This correspondence serves as a notice of continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding accounts held by XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. 

Despite my due diligence in disputing the inaccuracies associated with these accounts, it took extensive efforts on my part, including filing reports with the Federal Trade Commission ( FTC ) and the Federal Reserve Board, to have these accounts removed from my credit file. I want to emphasize that the removal of said accounts was not due to any effective action on XXXX part but a result of my persistent inquiries and appeals for proper investigation. 

Following the deletion of the XXXX XXXX account, I experienced a troubling absence of communication from your institution. After months of silence, I was met with a delayed response regarding my complaints to the Consumer Financial Protection Bureau ( CFPB ), asserting that Experians investigations had resulted in the verification of the information and accounts in question. However, I must point out that this response was made well beyond the 30-day timeline mandated for such inquiries and was devoid of any physical verification proof to substantiate these claims.

Despite the removal of the accounts, Experian continues to imply or fabricate elements regarding its conduct, which have adversely affected my creditworthiness. This apparent disregard for due diligence in handling my credit file is not only improper but constitutes a breach of the agreements and terms expected under the FCRA. As a consumer, I am entitled to transparent processes and accurate reporting, both of which have been sorely lacking in my experiences with Experian.

As such, I formally request that you : 1. Acknowledge receipt of this letter and the issues presented.

2. Provide a complete account of the data reported to credit bureaus concerning my credit file related to these accounts.

3. Compensate me for the damages incurred as a result of the misreporting, emotional distress, and the financial repercussions Ive faced. [ XXXX ] 4. Review and rectify the internal processes that have contributed to these violations to prevent future occurrences for myself and other customers.

Please treat this matter with the urgency it warrants. I expect a response within [ 15 business days ] from the date of this letter. If I do not receive a satisfactory response, I will have no choice but to escalate this matter to the appropriate regulatory agencies and seek legal counsel to protect my rights.

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

Sincerely, 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