Consumer complaint received 2025-07-08 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
THIS IS NOT A DUPLICATE., DO NOT DELETE. THIS IS ANOTHER SEPARATE ISSUE OF FCRA VIOLATIONS BY EXPERIAN, UNDER THE LAW. 

Experian continues to block my ability and refuse to file my disputes in my online account, forced to call ( XXXX ) XXXX, to file disputes XXXX by XXXX for over XXXX hours. They also refused to file disputes unless I gave them my PIN, HINT and XXXX Digit Security Code sent to my phone number, which only I am suppose to have to login to my account but XXXX representative including XXXX named XXXX, claimed they need for Identification, and Authentication, even though I had several dispute numbers to identify. They claimed they could see this information, yet they asked me for it and were using it to access my account, thus booting me off my online account I was actively in. 

Attached is a screenshot of the message I get when attempting to file a dispute in my online account which states : " For security reasons, we can not process your dispute online. Please contact us below. Our Experian Dispute XXXX are available to assist you. When calling use report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M- F XXXX to XXXX XXXX, Contact Us ( XXXX ) XXXX. '' After calling and submitting all my personal information SS # etc, only I should know, a representative comes on and then request my PIN, HINT and XXXX Digit Security Code sent to my phone number, which only I am suppose to have to login to my online account. They then claim this is to AUTHENTICATE my account. This is all the information that is used to protect my online account which now the representatives ask for and my account, my identity is now compromised. This is odd and clearly leads to internal fraud, because when I use my debit card I do not, nor should I be required to give the bank my PIN number, yet Experian blocked me from filing my dispute online, and then refused to process my dispute on the telephone unless I gave them, to AUTHENTICATE me, my PIN, HINT and XXXX Digit Security Code sent to my phone number. This is odd and leads to fraud because now Experian and its representatives can log in to my online account that was secured by these things. If I suffer from identity theft again, it will be internal identity theft by Experian. 

On XX/XX/year> after multiple failed attempts of filing disputes and request for removal of : XXXX inaccurate addresses, over XXXX inaccurate phone numbers, and over XXXX negative accounts negative that are over XXXX years old are still being reported after accounts paid and closed. They refuse to delete this inaccurate and some information that was due to identity theft several years ago. 

I would like to be my credit rating corrected and to be financially compensated for the XXXX years of financial loss, loan denials, mortgage denials due to intentional and continual reporting of inaccurate and low credit ratings due to Experian Refusing to correct misinformation on my report, contributing to higher interest loan and credit denial. 

Keeping inaccurate and Misinformation benefits them and the creditors hurts the consumer and results in higher interest rates, poor housing choices, and is FRAUD.

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