Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am filing this complaint regarding Experian Information Solutions , Inc.s handling of my lawful credit dispute and the subsequent placement of a derogatory dispute indicator that caused substantial and immediate harm to my creditworthiness.

I exercised my legal right under the Fair Credit Reporting Act ( FCRA 611 ) to dispute potentially inaccurate, incomplete, or unverifiable information on my Experian credit report. My dispute was submitted in good faith and was limited to requesting a fair reinvestigation and correction or deletion of any errors, as expressly permitted by federal law.

After Experian responded to my dispute, Experian added a notation to my credit file stating consumer disputes after resolution ( or substantially similar language ). Immediately following the placement of this notation, my credit score dropped by approximately XXXX points. 
This outcome is alarming and appears punitive in nature. I did not add new information, miss any payments, open or close any accounts, or otherwise change my credit behavior. The only action taken was the exercise of my federally protected right to dispute inaccurate information.

The dispute notation Experian applied is materially misleading and prejudicial. The wording suggests improper or repetitive conduct by the consumer and may discourage or chill the exercise of consumer rights. Additionally, the notation caused scoring models to suppress or exclude the affected tradeline, resulting in severe and measurable harm.

I believe Experians conduct raises serious concerns under the FCRA, including but not limited to : * FCRA 611 ( a ) Failure to conduct a fair and reasonable reinvestigation without adverse or retaliatory treatment * FCRA 611 ( a ) ( 6 ) Failure to clearly explain the basis and method of verification * FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy * FCRA 609 ( a ) Failure to fully disclose how disputed information was handled * Improper or misleading dispute coding that materially harms creditworthiness after dispute resolution A consumer should not be penalized for invoking rights expressly granted by federal law. The dramatic score decrease following Experians dispute coding creates the appearance of retaliatory or chilling conduct and undermines the purpose of the FCRA.

What I am requesting as a resolution I respectfully request that the CFPB require Experian to : 1. Remove the dispute notation ( consumer disputes after resolution or similar ) from my credit file immediately 2. Restore accurate scoring treatment of the affected tradeline ( s ) 3. Provide a written explanation of : * What specific information was verified * How it was verified * What documents were reviewed * Why the dispute notation was added after resolution 4. Confirm compliance with FCRA requirements and ensure no retaliatory or prejudicial dispute coding remains on my file I am attaching documentation showing my original dispute letter, The dispute notation, The before score change, copy of the day I mailed out my dispute letter, the day my score changed and the significant score change.

- Pertaining to the attached dispute notation, unfortunately I dont have a copy of the dispute notation from Experian I can not afford the upgraded package that would show me Experians dispute notation however I have the notation for XXXX  and after speaking with a professional credit specialist they assured me that once that notion is showing on XXXX  its also reflecting the same on Experian Desired Outcome * Correction of credit report * Regain Credit Score * Removal of inaccurate or misleading information * Written explanation

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