Consumer complaint received 2024-05-28 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: LA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus XXXX, Experian, and XXXX. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution.

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence.

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.

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