Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Experian due to ongoing and escalating violations of the Fair Credit Reporting Act ( FCRA ) and their failure to correct false, damaging, and unauthorized information on my credit file despite multiple efforts on my part to resolve the matter both directly and through the CFPB. 
In XX/XX/XXXX, I filed a legitimate identity theft claim for a single account my XXXX card, which was resolved and reinstated properly. I have not claimed identity theft or fraud for any other accounts. Despite this, Experian is now sending ADCVs ( Affidavit of Dispute and Consumer Verification ) to my creditors, falsely claiming I initiated fraud or identity theft disputes on accounts I never disputed in that context. 
This is happening nearly XXXX months later, after I : Printed my full credit report Clearly circled the inaccurate entries Typed a detailed dispute letter Submitted all supporting documents to both Experian and the CFPB Rather than correcting the record, Experian has escalated the issue by initiating baseless identity theft fraud claims to my creditors, alleging false application fraud a claim I never made. This is reckless, unlawful, and severely damaging to my creditworthiness and reputation. 
The result : Multiple Capital XXXX credit card accounts have been closed as a direct result of these false fraud reports XXXX accounts that were reinstated have now been closed again due to repeat misreporting My long-standing credit history, utilization, and payment performance are being undermined I have invested significant amounts of time, energy, and money fighting to correct issues that should never have occurred Experian is now in direct violation of the following FCRA provisions : 15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) Failure to maintain accurate consumer data 15 U.S. Code 1681n & 1681o Willful and negligent noncompliance 15 U.S. Code 1681s-2 False communication of fraudulent activity Furthermore, due to Experians misreporting and the unlawful closure of my accounts, automated payments that I have set up are now being declined or cancelled. This includes essential subscriptions such as my IdentityIQ membership, which Ive attached proof of specifically, a cancellation notification from XXXX XXXX. I am now notified that memberships I have paid for, like Identity, XXXX are being canceled for nonpayment despite my consistent payments due to the misreporting and my accounts being closed once again. This is not only an inconvenience but a disruption to my financial obligations and personal data monitoring services that I rely on for protection, especially in light of ongoing credit interference caused by Experian. 
I am now requesting the following from the CFPB : 1. Immediate enforcement to compel Experian to cease sending false ADCVs and to permanently remove all improper fraud claims. 
XXXX. Full investigation into Experians noncompliance with federal consumer reporting laws. 
XXXX. Enforcement of the $ XXXX reimbursement, effective from XX/XX/XXXX, as per Experians written commitment. 
XXXX. Damages and penalties imposed for Experians repeated misreporting, negligence, and financial harm caused. 
XXXX. Permanent correction and reinstatement of my affected credit accounts. 
This situation is beyond negligence, it is malicious and irresponsible. I expect CFPB intervention without delay. 
Sincerely, XXXX XXXX

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