Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Repeated FCRA Violations, Unauthorized Disputes, Failure to XXXX XXXX XXXX XXXX, and Inaccurate Reporting 1. Parties Involved Consumer : XXXX XXXX Company : Experian Information Solutions , Inc . 
Relevant Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtill falsely reported by Experian as active with XXXX ). 



2. Complaint History -This is not my first complaint. Previous CFPB complaint numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - Experian has failed to respond to multiple CFPB complaints and continues a pattern of violations. 



3. Timeline of Violations XX/XX/2025 - I filed an authorized dispute with Experian regarding the XXXX XXXX  account. 
- After it was marked verified, I prepared a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( XXXX ). 

XX/XX/2025 - I sent Experian a certified letter restating : I am not authorizing a dispute. I am requesting MOV. 
- Instead of honoring my request, Experian disregarded it and falsely treated it as a dispute. 

XX/XX/2025 - Experian launched an unauthorized dispute without my consent. 
- I filed a complaint via CFPB indicating that I requested an MOV- not a dispute. 
- Results dated XX/XX/2025 came back as Verified and Updated with XXXX, despite XXXX no longer having authority over the account. 

XX/XX/2025 - Experian again launched an unauthorized dispute without my consent. 
- Results dated XX/XX/2025 came back as Remains, despite XXXX own letter dated XX/XX/2025 confirming that XXXX now owns the account. 

XXXX - Experian has made unauthorized changes to my file, including modifying my multi-factor authentication ( XXXX ) and address records. 
- Experian has repeatedly failed to respond to CFPB inquiries and failed to provide legally required documentation. 



4. Violations of the FCRA - FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification.

- FCRA 611 ( a ) ( 2 ) : Unauthorized disputes not initiated by the consumer.

- FCRA 607 ( b ) : Failure to ensure maximum possible accuracy ( continuing to report XXXX after the account was sold to XXXX ). 
- FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide proper notice and results of reinvestigation.

- FCRA 609 ( e ) : Failure to provide information upon request.

- Misuse of Identification Documents ( FCRA 609, FACTA ) - Unauthorized File Alterations ( FCRA 605, 607 ) - Unfair or Deceptive Acts ( FTC Act 5, 15 U.S.C. 45 ) My questions respectfully remains : 1. Failure to Provide MOV On XX/XX/2025, I submitted an authorized dispute and formally requested a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). To date, Experian has failed to provide this required information. Where is my MOV?

2. False Verification of XXXX Account Further, how can Experian claim to have verified the XXXX XXXX  account when XXXX itself confirmed in writing on XX/XX/2025, that it no longer owns the account? Verification with the wrong furnisher is not verification at all. With whom did Experian verify this account? 

XXXX Who authorized the XXXX and address changes to my Experian account? 
At no point did I request or consent to modifications of my multi-factor authentication ( XXXX ) settings or my address. These unauthorized alterations not only compromise the integrity of my credit file, but also represent a clear failure to ensure the accuracy, security, and proper handling of consumer data as required under FCRA 607 ( b ) and related provisions. I demand a full accounting of : 1. When these changes were made exactly, 2. Who initiated them, and 3. What authority Experian relied on to alter my account records.

4. Who authorized the disputes dated XX/XX/2025, and XX/XX/2025? 
I made it clear via certified mail on XX/XX/2025 that I was not authorizing any new dispute. My request was limited to a XXXX of XXXX - MOV - for my authorized dispute. 

I further clarified through the CFPB on and after XX/XX/2025 that I was awaiting the MOV response for my authorized XXXX dispute, and that no new disputes were authorized. Despite this, Experian unilaterally launched disputes on XX/XX/2025 and XX/XX/2025 without my consent or authorization. 

These actions constitute violations of FCRA 611 ( a ) ( 2 ) ( disputes must be consumer-initiated ), 611 ( a ) ( 6 ) ( B ) ( iii ) ( failure to properly notify the consumer of reinvestigation results ), and demonstrate a reckless disregard of my express instructions.

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