Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal update and continuation of my complaint against Experian, with specific reference to ongoing violations of the Fair Credit Reporting Act ( FCRA ), including sections 623, 609, 610, and 605B. The company has not only failed to comply with its federal obligations but is actively complicit in fraud and data tampering involving identity theft and a fictitious mortgage created in his name 15 months after his death and a fraudulent land transfer. I ask that CFPB take immediate regulatory action 52 Unauthorized Credit Pulls on a Deceased Person ( FCRA 604, 623 ) For 52 consecutive weeks between XX/XX/XXXX and XX/XX/XXXX, Experian XXXX accessed and pulled the credit report of my deceased husband, XXXX XXXX, despite : A freeze being in place, No permissible purpose. No surviving joint account or legal debt tied to him and the XXXX added to his XXXX XXXX file on XX/XX/XXXX. This behavior violates federal law and constitutes unauthorized surveillance of a deceased consumer for use in synthetic identity creation or title fraud A Fabricated {$10000.00} Land Transfer on My Credit Report showing up on XX/XX/XXXX despite no mortgage on either of our credit reports ( FCRA XXXX, XXXX ( a ) ( XXXX ) ( A ), especially 623 ( b ) I was instructed to freeze my per HUD due to XXXX identity theft No information is listed as to who filed or authorized this transfer, but it only shows on my report not XXXX This appears to be the result of identity tampering to enable an illegal attempted foreclosure attempt. Synthetic File Merging / Unauthorized Joint File Creation ( FCRA 609 & 610 ) After I printed XXXX credit report ( as allowed by law ), Experians system immediately joined our names together, locking me out of my account and falsely merging records without consent or cause. I was completely denied access to my own report and alerts, even though my credit was already frozen per federal protection guidelines. Unlawful Denial of Credit Report / Failure to Respond Appropriately ( FCRA 609, 610 ) I was not only locked out by Experian but XXXX  as well. If not for TransUnion operating correctly under federal law I would not have discovered this! Despite multiple alerts and XXXX Experian emails ( both sent at the exact same timestamp, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX claimed they could not validate my address and would not provide me a copy of my report while the other appeared normal. The denial email was found in my spam folder, not my inbox, raising questions about how and why it was diverted and who really sent it. I have lived at my address for 26 years and never moved? Yet my address had not yet been reported? That was an outright LIE as Ive obtained many credit reports through Experian throughout years. Experian 's response to the CFPB dodged all very serious material issues. And has provided no answer about these violations. Failure to Respect or Implement Credit Freeze ( FCRA XXXX ) Experians automated system stated correctly that my credit was already frozen, but emails denied it? Experians phone system claimed my freeze was in place, but failed to verify my identity or give me access to a live agent. For XXXX file, after the XXXX froze his credit in his Master Death file in XXXX of XXXX When I entered his information his credit WAS NOT frozen! I then proceeded to freeze it AGAIN three years after his death. Deceptive Credit Score Alerts During Federal Investigation ( FCRA 623 & Misrepresentation ) While this matter is under multiple federal agencies including identity theft through the FTC and under investigated for foreclosure fraud investigations, I received three emails from Experian Alerts themselves and XXXX XXXX XXXX XXXX XXXX ( powered by Experian ) on XX/XX/XXXX and XX/XX/XXXX, congratulating me on my XXXX score increasing. These alerts were inappropriate and misleading, sent while I was locked out of my account and my credit was supposedly frozen. NEW EVIDENCE : Bypassing you ( CFPB ) XXXX conflicting Experian emails ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX denying access, XXXX pretending normal service. CFPB response log showing Experian XXXX still working while avoiding all actual fraud details. Photo evidenc credit alerts sent while credit was allegedly being investigated and frozen through this agency. No notification of a {$10000.00} land transfer hitting only my credit file without any details about any creditor data or the fact no mortgage appears on either of our credit reports. Experian has failed to acknowledge, investigate, or resolve the matter with CFPB : The unauthorized and illegal credit pulls on a deceased individual. Synthetic merging of credit files. A fraudulent {$10000.00} land transfer. Active suppression of identity theft alerts and frozen credit enforcement. Violations in their direct responses to me requirement under FCRA and CFPB rules about extremely serious and disturbing violations.

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