Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Regarding Experian Credit Bureau 's Blocking of Access to Credit Report and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian Credit Bureau regarding their obstruction of my access to my credit report and their failure to adhere to regulatory compliance standards. 

On XX/XX/year>, I contacted Experian Credit Bureau due to their blockage of third-party access to my credit report without my explicit consent. I have been actively disputing inaccuracies present on my credit report, yet Experian has consistently failed to meet compliance requirements in handling these disputes. Upon attempting to refresh my credit report through a third-party source, I encountered a notification stating that my credit score and related information could not be calculated. Subsequently, when I reached out to an Experian representative for clarification, I was informed that this issue arose due to a sudden lack of an address associated with my accounta problem I have never encountered before. 

Despite this, five days have elapsed, and I am still unable to access my Experian report, despite being a paying customer through a third-party service. The explanation provided by the representative, citing the absence of an address or name on my credit file, appears illogical and inconsistent with my previous experiences. 

I strongly suspect that Experian deliberately enacted this block to impede my access to my credit report, thereby hindering my ability to pursue necessary disputes and correspondence. It is evident that if I am unaware of the contents of my credit report, I am unable to effectively identify and dispute inaccuracies. In my most recent dispute, I specifically requested clarification on the method of verification for mishandled accounts, yet it seems Experian has intentionally blocked my account from accessing this crucial information. Despite assurances from the Experian representative that this matter would be resolved within 24 to 72 hours after I verified my name and address, six days have now passed without any resolution in sight. 

Such conduct is utterly unacceptable and reflects a blatant disregard for consumer rights and regulatory obligations. I demand immediate action to rectify this situation and restore my access to my credit report without further delay. Additionally, I request a thorough investigation into Experian 's practices regarding the handling of consumer disputes and the blocking of access to credit reports. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate measures to ensure compliance and accountability within Experian Credit Bureau 's operations. 

Sincerely,

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