Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
Demand for Enforcement Referral Ongoing FCRA Violations, Document Suppression, and Verified Financial Harm I am submitting this as a formal addendum to both of my complaints against Experian ( CFPB Complaint XXXX : XXXX and XXXX ) and submitting new wrongdoing by Experian and am demanding XXXX this matter be referred to the Bureaus enforcement division immediately. 

Pattern of Misconduct : Over the course of multiple CFPB complaints, Experian has : Misreported my FICO score to third-party creditors, resulting in credit denials and a predatory auto loan XXXX Refused to remove negative tradelines after I submitted formal disputes with written validation demands Marked unverifiable accounts as verified with no evidence Failed to retain or provide copies of documentation I submitted through their portal Permanently deleted my dispute statements, which are no longer accessible and were submitted via Experians own system Repeatedly issued generic, template responses to serious legal allegations in both complaints and ultimately closed them with no corrective action Lied, evaded, and ignored longstanding FCRA obligations that caused documented, ongoing financial harm Documented Harm : I was denied credit by XXXX  XXXX after Experian misreported XXXX FICO score as XXXX, despite showing XXXX in my own Experian account before and after the application I applied for multiple auto loans during the same period and received subprime denials or offers based on inaccurate score data I ultimately accepted a 15.99 % XXXX XXXX loan that would have been significantly lower if : o Experian had reported the correct XXXX FICO score the same score they showed me in their own system at the time o Experian had XXXX my disputes and removed unvalidated derogatory items from my report as required by law I was also denied a credit card due to Experian providing XXXX lower score ( XXXX ) to the creditor while showing a higher score ( XXXX ) to me a pattern that is now clearly documented I lost access to dispute evidence that I submitted through XXXX XXXX it has been deleted, altered, or removed, leaving me without critical documentation to support my case I explicitly requested validation of every negative tradeline including creditor name, signed contracts, dates of delinquency, and scheduled removal dates and none of these were provided Despite this, Experian marked these items as verified a clear FCRA 1681i and 1681e ( b ) violation This Is Enforcement-Grade Abuse : Experian has now violated FCRA 1681i, 1681e ( b ), and 1681m, repeatedly and willfully. 
Their actions are : Fraudulent falsifying verifications and removing dispute records Deceptive misrepresenting their dispute process and obligations Systemic this matches nearly verbatim the issues cited in the XXXX XX/XX/year> enforcement action

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