Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX Washington , DC XXXX Subject : Complaint Regarding Unauthorized Disputes and Mishandled Mailings by Experian Credit Bureau To Whom It May Concern, I am writing to formally file a complaint against * * Experian Credit Bureau * * due to significant concerns regarding the unauthorized opening of disputes on my credit file, as well as mishandling of mailed correspondence I submitted.

Recently, I discovered that Experian has initiated disputes on my credit report without my knowledge or authorization. I spoke to XXXX @ XXXX XXXX on XXXX in which he informed me that Disputes other than the Disputes I sent in Certified Mail with ALL RELEVANT BACK-UP ON CREDITORS/COLLECTORS. At no point did I contact Experian to open these disputes, nor did I grant permission for any third party to do so on my behalf. This unauthorized action is extremely concerning and compromises the integrity of my consumer credit profile. Additionally, I have sent certified mail to Experian containing detailed disputes regarding inaccurate and inconsistent information on my credit file. These mailings included all relevant supporting documentation. However, Experian has failed to acknowledge or process all of the disputes I submitted, claiming they did not receive certain items. I also received an email  today XXXX stating that they were unable to honor your request because that I need to indicate the specific item I am disputing. I was confused by this email because I know I sent in significant back-up support my reason for deletion of accounts. 

This prompted me to check my Experian Dispute Report and that is when I saw multiple disputes opened without my consent. I ACTUALLY HAVE MOST OF THE REMAINING DISPUTES READY TO GO IN THE MAIL WITH AGAIN ALL SUPPORTING DOCUMENTATION FOR WHY THE ACCOUNTS SHOULD BE REMOVED AND DELETED. The lack of proper handling and acknowledgment of my mailed disputes is unacceptable and raises concerns about procedural compliance and transparency. 

These issues have caused undue stress and potential harm to my creditworthiness. I am requesting a thorough investigation into the following : 1. Why Experian has opened disputes on my behalf without consent.

2. What internal processes are in place to prevent unauthorized disputes.

3. The status and handling of the mailed disputes I submitted via certified mail.

4. What actions will be taken to ensure all of my concerns and documentation are properly reviewed.

Please find enclosed copies of my certified mail receipts, letters, and any other documentation relevant to this matter.

I respectfully request your agencies to investigate these actions and ensure my rights as a consumer under the * * Fair Credit Reporting Act ( FCRA ) * * are protected.

Thank you for your attention to this matter. I am available to provide any further documentation or clarification as needed. 

Sincerely, 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