Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX # : XXXX XXXX XXXX Texas XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Ongoing Violations by Experian Failure to Correct Credit Report Errors and Improper ID Theft Reporting To Whom It May Concern, I am writing to escalate a serious and ongoing issue with Experian, which has failed to correct illegal and inaccurate reporting on my credit file for over 90 days. Despite multiple formal complaints and supporting documentation, Experian continues to report fraudulent information and has not complied with the Fair Credit Reporting Act ( FCRA ). 

Since my initial dispute on XX/XX/XXXX, regarding inaccuracies in my credit reportincluding missing information, incorrect account details, and unauthorized hard inquiriesI have had multiple longstanding credit card accounts closed due to Experian 's misreporting and unauthorized disputes. 

My dispute clearly stated that I was challenging the accuracy of information being reportednot claiming identity theft or disputing any active accounts. Nonetheless, Experian has falsely reported to creditors that I filed claims of identity theft and fraud, which has directly resulted in the following accounts being closed : Five ( 5 ) XXXX XXXXXXXX credit card accounts Two ( 2 ) XXXX XXXXXXXX credit card accounts My XXXX XXXX account ( which I was later able to reinstate ) XXXX XXXX XXXX account ( which I was later able to reinstate ) My husband 's First Premier account removed me as an authorized user without his consent, violating his privacy rights These accounts had excellent payment histories and were all on automatic payments. Experians repeated and unauthorized submission of XXXX forms to my creditorsbased on inaccurate reportinghas caused irreparable harm to my credit profile and financial wellbeing. 

Since XXXX, I have received multiple emails from Experian ( dated XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX ; and XX/XX/XXXX ), all instructing me to complete ID theft forms. I have not been a victim of identity theft. I already provided a detailed letter in XXXX with each disputed item circled and clearly explained. 

I have contacted Experians Chief Compliance Officer, Privacy Department, and Customer Support repeatedly via email and phone. I have also spoken to several customer service managers, none of whom have taken any corrective action. Experian continues to ignore my documented complaints.

I demand the CFPB take immediate enforcement action against Experian and require the following : That Experian reinstate all 12 of my wrongfully closed credit card accounts.

That Experian remove all false and inaccurate dispute comments from my credit report. 

That all mentions or flags of identity theft or fraud be removed from my file immediately. 

That Experian cease and desist from sending any ADVC forms to any creditors on my credit report. I do not want any more ADVC forms sent to any of my creditors again. 

That a full investigation report and confirmation of all corrections made be provided. 

This has caused me significant financial hardship and mental distress. It is now impacting my ability to secure a VA home loan and threatens my financial stability. I am prepared to pursue legal action against Experian for ongoing violations and damages. 

Thank you for your prompt attention and support in resolving this matter.

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