Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Statement of Facts I am filing this complaint because Experian is mishandling my disputes, closing them without investigation, misclassifying them as fraud, and obstructing my rights under the Fair Credit Reporting Act ( FCRA ). 

I have submitted several disputes to Experian regarding inaccurate accounts, unverifiable information, and illegal reinsertions from various furnishers. Instead of conducting a proper reinvestigation, Experian has repeatedly : Closed my disputes improperly Labeled them as fraud without my consent Used potential fraud as an excuse to avoid investigating Refused to provide Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failed to notify me within 5 business days of any reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ) Ignored evidence I submitted, including police reports, prior bureau deletions, and updated documents Violated FCRA 611, 607 ( b ), and 623 protections Experians Misconduct & Violations XXXX Experian falsely marked my dispute as fraud Experian closed my disputes using a fraudulent activity classification even though : I did not claim identity theft for those specific accounts. 

I did not ask Experian to classify them as fraud disputes. 

Experian never contacted me to confirm their classification. 

This is a direct violation of : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reinvestigation FCRA 611 ( a ) ( 2 ) ( A ) failure to forward all information to the furnisher FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) failure to provide Method of Verification Experian used fraud as an excuse to avoid investigating and to close the complaint prematurely. 

XXXX Experian ignored the police report and failed to apply it correctly When I submitted my police report for XXXX XXXX XXXX XXXX XXXX XXXX, Experian : Closed the complaint Ignored the evidence Failed to apply FCRA 605B protections Did not remove the account Told me to call them, which is harassment and unnecessary Forced me to open a NEW dispute even though I already submitted all requirements This behavior violates : FCRA 605B identity theft block FCRA 611 inaccurate handling of disputes FCRA 611 ( a ) ( XXXX ) failure to avoid harassment and unnecessary procedures XXXX Experian closed complaints without completing a reinvestigation My CFPB portal showed : Company responded there may be potential fraud involved. 

Experian used this generic canned response to avoid addressing any of the issues I filed. 

They did NOT : Provide MOV Provide verification Contact the furnisher properly Evaluate evidence Provide an outcome Correct or delete inaccurate data This violates : FCRA 611 ( a ) ( 1 ) FCRA 607 ( b ) maximum possible accuracy FCRA 611 ( a ) ( 4 ) failure to review and consider ALL information 4 This is dispute suppression and obstruction Experians conduct amounts to dispute suppression, which the CFPB has previously warned against. 

Experian is : Blocking valid disputes Misclassifying disputes Closing complaints without investigation Ignoring supplied documentation Forcing unnecessary phone calls Obstructing my FCRA rights This is a pattern of systemic non-compliance.

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