Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Summary of Complaint This rebuttal concerns Experians deceptive handling of my original FCRA accuracy complaint ( XXXX XXXX. XXXX ). The complaint challenged inaccurate, re-aged, and unverifiable reporting of a XXXX XXXX secured credit card opened XXXX, closed XXXX. 
Experian ignored all factual issues and instead falsely labeled the matter as potential fraud. That claim is baseless and designed solely to avoid a lawful reinvestigation under 1681i.

Detailed Rebuttal 1 False classification as fraud. 
Neither I nor Wells Fargo alleged fraud. My complaint focused on factual inaccuracy and Metro-2 noncompliance, not identity theft. Experians statement to the CFPBCompany responded there may be potential fraud involvedis false, unsupported, and constitutes misrepresentation to a federal regulator.


2 Failure to conduct reinvestigation ( 1681i ). By recoding the issue as fraud, Experian sidestepped its legal duty to reinvestigate. I received no updated credit report, no investigation summary, and no Method of Verification ( MOV ). The only response was a generic fraud resource listproof no reinvestigation occurred. 

3 No Method of Verification provided ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

My original filing explicitly requested Experians certified MOV and the complete Metro-2 data file for the Wells Fargo account . Experian produced neither, violating 1681i ( a ) ( 2 ) and 1681i ( a ) ( 6 ).

4 Ignored 10 documented FCRA violations.

Experian never addressed : Missing Date of First Delinquency ( DOFD ) ; Conflicting open dates and suffixes across CRAs ; Re-aging and obsolete update dates ; Fabricated payments by TransUnion ( XXXX ) ; Missing Metro-2 codes ( ECOA, Status, Condition ) ; Blank fields for Balance and Terms; Continued publication of data from a furnisher that stopped reporting in XXXX ; Inconsistent data across CRAs ; Obsolete reporting beyond 7 years ; Lack of verifiable proof of accuracy.

Experians total silence on these issues violates 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

XXXX Pattern of identical misconduct. 
This is the second time Experian has used a fraud template to evade FCRA compliance. In my earlier CFPB complaint ( XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX accounts ), Experian sent the same boilerplate response . This pattern shows willful non-compliance under 1681n and 1681o.

6 Violation of 1681e ( b ) : failure to assure maximum possible accuracy.

Experian still reports incomplete, contradictory, and re-aged data on an account closed eight years ago. Fraud labeling does not excuse false reporting or missing Metro-2 fields. 

7 Violation of 1681s-2 ( b ) : failure to ensure uniform verification across CRAs.

Experian, XXXX XXXX XXXX  each show different information for this same XXXX XXXX account. Experian never required the furnisher to conduct a uniform investigation, violating 1681s-2 ( b ) ( 1 ) ( A ) ( E ).

8 Procedural misconduct and obstruction.

By reporting false fraud language to the CFPB, Experian obstructed regulatory oversight and denied my statutory rights. This constitutes deceptive practice under 15 U.S.C. 45.

Key Questions Experian Must Answer What evidence or communication from XXXX XXXX supports the potential fraud statement? 

Did XXXX XXXX ever report this account as fraudulent? If not, why was that claim made to the CFPB? 

What specific Metro-2 codes and verification methods ( e-OSCAR, manual review, etc. ) were used to verify this account?

Who performed the verification and on what date?

Why is Experian reporting an account closed in XXXX with missing and conflicting fields? 

Requested Action Re-open CFPB complaint XXXX and classify it correctly as an FCRA accuracy dispute. 

Order Experian to conduct a lawful reinvestigation under 1681i, addressing each enumerated error.

Require Experian to provide : Full Metro-2 data file for the XXXX XXXX account XXXX 
Certified Method of Verification ( MOV ).

Any documentation from XXXX XXXX since XXXX. 

If Experian can not verify the account with complete and accurate records, direct deletion under 1681i ( a ) ( 5 ) ( A ).

Investigate Experians pattern of mislabeling non-fraud FCRA complaints as fraud to bypass compliance.

Require Experian to issue a corrected consumer report and notify all recipients of the inaccurate version within the past six months.

Closing Statement Experians handling of CFPB Complaint No. XXXX was deceptive and non-compliant. The potential fraud label is false and used to evade liability. I am requesting that this case be re-opened and reviewed for systemic abuse of the CFPB complaint process and violations of 1681e ( b ), 1681i, and 1681s-2. If Experian can not verify this XXXX XXXX account with complete, accurate, and current documentation, it must be deleted immediately. 

Ready to Submit : Copy and paste this full text directly into your CFPB rebuttal form under The companys response was inaccurate or incomplete. 
Keep XXXX XXXX. XXXX in the title line and include your attachments ( XXXX XXXX account evidence, Experians fraud response, prior CFPB filings ).

Would you like me to make a shorter 2-paragraph public summary version ( that appears on the CFPB consumer complaint page ) while keeping this one as your full internal rebuttal text?

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