Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX  XXXX Re : Credit Score Decline Demand for Investigation and Correction : Member XXXX Date of last known good score : XXXX XXXX Dear Experian Consumer Relations Team : I am writing concerning a troubling and unexplained decline in my credit score, which has occurred from XXXX of this year to the present. I believe this decline stems from inaccurate, incomplete, or improperly handled information in my credit file maintained by Experian. 
Facts : As of XXXX XXXX ], my credit score was XXXX. Since that time I have continued to make timely payments, reduce debt, and otherwise maintain credit responsibility. 


Despite this positive behavior, my reported score has dropped significantly. 


I have reviewed my credit report and have not identified changes in my own financial behavior that would reasonably explain such a decline. 


Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies have a statutory obligation to follow reasonable procedures to assure maximum possible accuracy of consumer credit files. 


Moreover, when a consumer disputes the completeness or accuracy of any item, the credit reporting agency must conduct a reasonable investigation. 15 U.S.C. 1681i ( a ) ( 1 ).

The consumer is entitled to a free dispute, and the credit reporting agency must respond within 30 days ( in most cases ) by reinvestigating and notifying the consumer of the results. 


Demand : Given the above, I hereby demand that Experian do the following : Provide me in writing a detailed explanation of the factors or items in my file that caused the score decline between XXXX XXXX ] and now. 


Conduct a full and thorough reinvestigation of my credit file, paying specific attention to all items ( derogatory accounts, collections, late payments, public records, inquiries ) that may have adversely affected my score. 


Remove or correct any information that is inaccurate, incomplete or unverifiable under FCRA requirements. 


Provide me with the corrected credit report and confirm in writing that any corrections have been made. 


Restore my XXXX XXXX to the level it would have otherwise been had my credit file been reported accuratelyi.e., account for the adverse impact caused by your failure to maintain maximum possible accuracy. 


Provide me with notification of the steps you have taken and offer me access to my updated credit report at no cost. 
Delete all discontinued account ( s ) that has expired within the specified timeframe and improve my credit immediately Why this matters : The decline in my score has significant consequences ( higher interest rates, denial of credit, etc. ). If Experian fails to comply with its duties under the FCRA, I reserve the right to pursue all available legal remedies, including but not limited to civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. 
Requested timeframe : I ask that you complete your investigation and provide your written response within the timeframes required by the FCRA ( i.e., 30 days from receipt of this letter, unless extended by statute ). 
Please consider this letter a formal dispute of the accuracy and completeness of my credit file and a formal request for correction, as permitted by law. 
Thank you for your prompt attention to this serious matter. I look forward to receiving your response and resolution. 
Best regards, XXXX XXXX

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