Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Experian for Inaccurate Credit Reporting, Failure to Update Information, and Unauthorized Sale of Personal Information Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian Information Solutions , Inc. for multiple violations related to the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. Experian has failed to maintain accurate information on my credit report, has not updated my credit file despite valid disputes, and has possibly sold or shared my personal information specifically my phone number without my consent. 

I have submitted several disputes to Experian regarding inaccurate and outdated information on my credit report. However, Experian has not properly investigated or corrected these inaccuracies, nor have they reflected any updates on my online report. I have made numerous attempts to contact Experian by phone to resolve these issues, but every time I call, I am directed to a voicemail system and never receive a call back or meaningful assistance. This lack of responsiveness has made it impossible to address my concerns directly. 

I am aware that in XX/XX/XXXX, the CFPB filed a lawsuit against Experian for allegedly conducting sham investigations into consumer disputes, failing to properly remove inaccuracies, and even reinserting previously deleted incorrect information. My personal experience aligns with the same violations described in that lawsuit. 

In addition, I have experienced an increase in unsolicited calls and marketing messages from lenders following credit inquiries. This leads me to believe my phone number has been sold or shared without my permission a practice currently alleged in an ongoing class-action lawsuit claiming Experian sells consumer phone numbers to third-party lenders without consent.

Experians history of noncompliance, including the {$650000.00} civil penalty in XX/XX/XXXX for violating the XXXX XXXX by sending commercial emails without opt-out options, further demonstrates a pattern of misconduct and disregard for consumer rights. 

I respectfully request that the CFPB : XXXX. Investigate Experians failure to correct inaccurate information on my credit report and their lack of communication. 
XXXX. Require Experian to immediately update and verify all disputed information on my credit file. 
XXXX. Investigate the potential unauthorized sale or distribution of my personal data, including my phone number. 
XXXX. Take enforcement action if Experian is found to be in violation of the FCRA, XXXX XXXX, or any related laws. 

Attached are copies of my dispute confirmations and any supporting correspondence showing my attempts to resolve these matters directly with Experian. 

Thank you for your attention to this matter. I appreciate your help in ensuring Experian is held accountable for its actions and that my credit report and personal information are properly protected.

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