Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Urgent Follow-Up/ Reopen Complaint Experian Dispute Issue * * To Whom It May Concern : * * I am submitting this follow-up regarding my CFPB complaint filed on * * XX/XX/year> * *, concerning an unexplained dispute notice from Experian. My original complaint has been marked closed, but * * my concerns remain unresolved * *, and Experians response demonstrates that they * * did not read or consider my complaint * *. Instead, they provided * * generic, canned responses * * about the dispute process that are completely inapplicable to my situation. 
My original complaint clearly stated : 1. I did * * not * * initiate any dispute.

2. I want written clarification on the nature of this dispute.

3. I want to know whether it was triggered internally by Experian, by a third-party service, or by a system error.

4. I want confirmation that I did not initiate t
his action.

Experians response * * failed to address any of these points * *. They did not provide : * Written confirmation that the dispute was internal.

* Documentation of the source or reason for the dispute label.

* Assurance that my long-standing credit freeze and fraud alert were not bypassed or compromised. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, Experian is legally required to ensure that the information in my credit report is accurate and complete, provide proper notification of any changes or corrections, and respect security measures such as fraud alerts and credit freezes. The failure to provide written clarification, the issuance of a dispute without my initiation, and the use of irrelevant canned responses * * raise serious concerns regarding potential violations of FCRA obligations * *. 
I am therefore requesting that the CFPB : 1. * * Reopen my complaint * * immediately.

2. * * Require Experian to provide written documentation * * addressing all the specific points of my complaint.

3. Ensure that Experian confirms, in writing, that no unauthorized actions occurred on my account, and that my credit freeze and fraud alert remained fully in effect. 
4. Confirm that Experian properly reviewed my complaint rather than relying solely on generic responses.

This matter is of urgent concern due to the potential implications for my credit security and identity protection. I respectfully request the CFPBs assistance in ensuring a complete and proper resolution. 

Sincerely, XXXX XXXX XXXX This was the original complaint : On XX/XX/year>, I received an email from Experian stating that my dispute results are ready. I NEVER FILED A DISPUTE. I called Experian and spoke with a dispute specialist who kept insisting that I must have filed the dispute, even though I told her repeatedly that I DID NOT. She put me on hold for over 15 minutes and never came back to the line. I called back and spoke with another representative who told me that dispute is the internal label Experian uses when they make corrections to a credit report even if the consumer didnt initiate it. He said there is no other title they can use. I want written clarification from Experian regarding : What exactly was this dispute that I never filed? Why it was initiated? Whether it was triggered by Experian internally, by a third-party service, or by a system error? And confirmation that I did not initiate this action. I have had a credit freeze and fraud alert active on my report for many years. I received no alerts, verification requests, or notifications that a dispute was filed. This situation is confusing and concerning, and I want it documented and explained in writing.

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