Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
Summary of Complaint I am filing this complaint to document Experians continued failure to comply with the Fair Credit Reporting Act ( FCRA ). Experian mishandled a XXXXXXXX XXXX  account dispute, launched unauthorized disputes, mischaracterized my request as fraud, misused my personal documents, altered my file without consent, ignored repeated regulatory complaints, and relied on contradictory information from XXXX after XXXX no longer owned the account. 



Key Facts 1. Ownership Timeline Per XXXX XXXX  - ownership of the account only until XX/XX/year>. 
After that date, the account was sold to XXXX. 

XXXX. My Requests XX/XX/year> : I filed an authorized dispute. 
XX/XX/year> : I mailed Experian a certified letter requesting the Method of Verification ( MOV ) only. I did not authorize a new dispute and I did not allege fraud. I simply requested an MOV. 

XXXX. Unauthorized Disputes by Experian XX/XX/year> : Experian launched a dispute without my consent. I immediately filed a CFPB complaint, because I had requested an MOV not a dispute. All complaints submitted via CFPB and FTC reflect the same and yet I have not received the MOV. 
XX/XX/year> : Experian launched a second unauthorized dispute. 
Both appear to have been mislabeled as fraud disputes, which I never requested. 

Evidence : On XX/XX/XXXX and XX/XX/XXXX, Experian emailed me dispute-processing notices even though I had not authorized any disputes. This conduct violates FCRA 611 ( a ), 611 ( a ) ( 7 ), and 604. 

4. Improper Use of Personal Documents I provided my government-issued ID and IRS Form 1099 only to verify my identity for the XX/XX/XXXX dispute. 
Experian misused those documents to open unauthorized disputes and make file changes I never authorized. 
On XX/XX/year>, Experian sent me a letter requesting more PII ( ID, SSN, utility bill ). Yet, they already used my ID and 1099 To launch not one but two unauthorized disputes and make changes to my file. My request via certified mail and CFPB was very clear - an MOV connected to the dispute I launched.

This misuse of sensitive personal data violates FCRA 607 ( a ), the FACTA Disposal Rule, and constitutes unfair and deceptive conduct under FTC XXXX XXXX. 

XXXX. Unauthorized File Alterations On XX/XX/year>, Experian altered my multi-factor authentication ( XXXX ) settings and my address without my consent. 
These unauthorized changes compromise the integrity of my credit file and violate FCRA XXXX ( b ). 

XXXX. Conflicting XXXX Letters XX/XX/year> : XXXX confirmed in writing the account was sold to Resurgent ( ownership actually ended XX/XX/year> ). 
XX/XX/year> : XXXX nonetheless issued another letter claiming to have investigated a fraud dispute and verified accuracy. 

These two letters are irreconcilable : XXXX could not investigate a dispute on an account it no longer owned. Experians reliance on the XX/XX/XXXX letter demonstrates reckless disregard for accuracy and violates FCRA 611 ( a ) and 607 ( b ). 

XXXX. Ignored Regulatory Complaints Between XX/XX/XXXX and XX/XX/year>, I filed more than 10 CFPB complaints and multiple FTC complaints. 
Experian has ignored these filings or failed to provide lawful responses. 
This shows a pattern of willful noncompliance under FCRA 616. 

8. Fraud Mischaracterization After Sale XXXX  ownership ended XX/XX/year>. 
Despite this, on XX/XX/year>, XXXX issued a fraud-response letter. 
I never alleged fraud, and XXXX had no authority to respond after selling the account. 
Experians reliance on this invalid letter further violates FCRA 611 ( a ) and 607 ( b ).

8a. Transfer of ownership and verifying after the transfer of ownership is impossible. XXXX  attempt to investigate a fraud dispute weeks after selling the account demonstrates a fundamental breakdown in Experians reinvestigation process. 

Experians reliance on a party with no ownership interest is per se unreasonable under FCRA 611 ( a ). 


XXXX. Experians False Reporting On XX/XX/year>, Experian reported the account as XXXX Remains, despite XXXX confirming it no longer owned the account. 
As of XX/XX/year>, Experian has still not provided the MOV for my authorized XX/XX/XXXX dispute. I have not received any answers regarding my file. 

XXXX. Spoliation Concern I demand that Experian preserve all internal records from XX/XX/year> onward, including : e-OSCAR codes Dispute labels System notes Account metadata All communications with furnishers Any deletion or alteration of these records would constitute spoliation and further harm. 



Violations FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification within 15 days. 
FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation; mislabeling disputes as fraud. 
FCRA XXXX ( b ) : Reporting inaccurate and misleading information ( XXXX  Remains after XXXX no longer owned the account ). 
FCRA 609 : Failure to disclose the sources of information relied upon.

FCRA 610 : Failure to provide proper notice of reinvestigation results.

FCRA 604 : Impermissible use of my file by launching unauthorized disputes.

FCRA 616 & 617 : Willful and negligent violations causing damages.

FCRA 607 ( a ) : Misuse of my government ID and IRS Form 1099 for unauthorized disputes. 
FCRA 623 ( a ) ( 1 ) ( A ) : XXXX furnished inaccurate information after sale of the account. 
FTC Act 5 ( UDAP ) : Unfair and deceptive acts, including mischaracterizing disputes as fraud and altering MFA/address.

FACTA Disposal Rule : Mishandling sensitive personal documents ( ID and 1099 ). 
_________ Experians repeated disregard for my rights under the FCRA has caused ongoing harm, confusion, and loss of trust in the accuracy and integrity of my credit file. I have exhausted direct requests and filed multiple regulatory complaints, yet Experian continues to ignore its legal obligations. I respectfully urge CFPB to take immediate corrective and enforcement action to ensure compliance, prevent further harm, and hold Experian accountable.

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