Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this combined federal complaint against Experian for : XXXX. False credit reporting XXXX. Failure to reinvestigate under FCRA 611 XXXX. Failure to ensure maximum possible accuracy under FCRA 607 ( b ) XXXX. Failure to mark an account as disputed under FCRA 611 ( c ) XXXX. Misrepresentation to the CFPB - a deceptive act violating the FTC XXXX XXXX. Improper shifting of legal responsibility to avoid statutory duties XXXX. Potential unlawful handling of personal data under XXXX and the Privacy Act when receiving information from XXXX Additionally, I request CFPB and FTC oversight into systemic failures at Experians XXXX, XXXX  facility, which has repeatedly mishandled disputes, misclassified complaints, and falsely attributed federally regulated disputes as fraud. 
XXXX. TIMELINE & EVIDENCE XXXX. XX/XX/XXXX - CFPB Complaint Filed + Formal Dispute Submitted On this date, I filed a complaint via the CFPB Portal and submitted a formal FCRA and XXXX dispute to XXXX, stating : I disputed the legal and factual basis of the tradeline I questioned the accuracy of identifiers tying the account to me I questioned the legality of disclosing PII to Experian I demanded removal if no documentation existed I invoked : o FCRA 611 ( reinvestigation ) o FCRA 623 ( furnisher duties ) o XXXX XXXX ( limits on disclosure of education records ) Experian was notified via the CFPB and was required to reinvestigate. 
Experian did not do so. 
XXXX. XX/XX/XXXX - XXXX Response With Documentation XXXX responded favorably on XX/XX/XXXX, providing : XXXX ( XXXX ) Master Promissory Notes ( MPNs ) Privacy Act Notice Acknowledgement of servicing my Federal Direct loans A stated balance of {$11000.00} Explanation of their statutory relationship with XXXX Whether or not their disclosure is lawful under XXXX remains disputed, but : Experian, seemingly, still did not reinvestigate. 
XXXX. XX/XX/XXXX - Experian Continues Publishing False Information Despite : The original XX/XX/XXXX dispute The XXXX documentation CFPB notification Experian issued an updated credit file showing : No dispute notation No reinvestigation No correction No verification request sent to XXXX This violates : FCRA 607 ( b ) FCRA 611 ( a ) FCRA 611 ( c ) FTC Act ( deceptive and unfair practices ) XXXX. XX/XX/XXXX - Experian Misrepresents the Case to CFPB Experian informed the CFPB that : You may have been a victim of fraud. 
This is false. 
I never filed an identity theft claim, and Experian intentionally reframed the dispute to : Avoid statutory FCRA obligations Close the dispute without investigation Shift responsibility to third parties Bypass their duty to provide a method of verification This is misconduct and constitutes : FCRA violations FTC Act violations Misrepresentation to a federal regulator Deceptive dispute-handling practices XXXX. LEGAL VIOLATIONS FCRA Violations 607 ( b ) : Failure to assure maximum possible accuracy 609 ( e ) : Failure to provide full file disclosures upon dispute 611 ( a ) : Failure to reinvestigate 611 ( c ) : Failure to note dispute on the report 613 : Reporting information that might be false without notice 616 & 617 : Civil liability for willful and negligent noncompliance FTC Act Violations 15 U.S.C. 45 ( a ) : Deceptive acts or practices FERPA / Privacy Act Concerns Questions regarding whether Experian received PII that can not be disclosed without XXXX exception or XXXX authorization XXXX  State Violations Applicable because Experians processing center is in XXXX, XXXX  : XXXX  Business & Commerce Code 20.06 failure to investigate disputes XXXX Deceptive Trade Practices Act ( DTPA ), deceptive representations

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