Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this formal complaint against Experian and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 623 ( b ) ( 1 ) ( D ) : Failure to notify all CRAs of deletions and corrections.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to provide proper reinsertion notices.

FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of consumer reports.

FCRA 616 & 617 : Willful and negligent noncompliance resulting in harm. 
Retaliation and score suppression after asserting my legal rights. 

Key Facts : 1. XXXX  deleted the XXXX XXXX XXXX account on XX/XX/year>. 
Under FCRA 623 ( b ) ( 1 ) ( D ), XXXX was required to notify all CRAs of the deletion. 

Experian has continued to report, verify, and manipulate accounts that were already deleted by XXXX  and XXXXdespite full documentation and multiple correction requests. On XX/XX/year>, Experian placed an account into dispute without my permission, triggering backend changes. 

As of XX/XX/year>, I have received XXXX separate credit score decrease alerts ( XX/XX/XXXX and XX/XX/XXXX ), totaling a XXXX drop following account deletions I fought hard to obtain. This is clear retaliation, and it violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. I was penalized for correcting my report. XXXX later deleted this account as of XX/XX/year>. 
XXXX. Experian continues to report this account, violating FCRA and continuing to harm my creditworthiness. 
I requested information Experian and XXXX used to justify retaining and verifying this account. I received no legal validation or documentation. 
Instead, my Experian score dropped by XXXX points ( screenshot attached ) after the account deletion, showing clear retaliation and score suppression. 
XXXX. My credit file has been previously identified by Experian as containing potential fraud ( CFPB Ref # dated XX/XX/year> ). 
My file contained XXXX names and XXXX Social Security numbers ( screenshot attached ). 
Experian acknowledged this but continued to verify accounts tied to that corrupted file. 
XXXX. I maintain a verified account with XXXX XXXX XXXX XXXX, which by federal membership standards confirms my military-affiliated status. 
My sponsorship and household verification are on file with XXXX. 
My legal protection as an immediate family member is active and established. 
The Pennsylvania Attorney Generals office gives priority to inaccurate credit reporting that affects military households and protected consumers. 
XXXX. Experian received my government-issued ID and full documentation by certified mail, with proof of delivery dated XX/XX/year> ( see USPS receipt ). 
Despite having full documentation, Experian continued to verify false information and retain unverifiable data.

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