Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Experian Unlawful Credit Reporting Practices & Violations of the FCRA To Whom It May Concern, I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] due to their failure to : Correct and restore my personal information ( address and phone number ) after multiple requests.

Investigate credit disputes in good faith and remove incorrect information.

Provide me with access to my own credit report and allow lenders to review it accurately.

Stop placing misleading notes on my credit report that obstruct dispute resolution and credit access.

1. Unlawful Removal of My Address and Phone Number FCRA Violation [ 15 U.S.C. 1681c ] Experian has wrongfully removed my correct address and phone number from my credit report and refuses to update it, despite my repeated submissions ( over 8 times ) of valid supporting documentation, including : Government-issued identification ( Drivers License ) Social Security Card Utility bills Bank statements Under FCRA 1681c, Experian is required to maintain accurate and complete consumer files. The refusal to reinstate my legally documented personal information violates this provision. 

This issue prevents lenders from verifying my identity, making it impossible for me to apply for credit or loans. 

2. Failure to Conduct a Proper Investigation of My Disputes FCRA Violation [ 15 U.S.C. 1681i ] Each time I dispute incorrect items on my credit report, Experian sends endless generic stall letters instead of conducting a legitimate investigation. This cycle has resulted in months of delays, with no real action taken to resolve the errors.

FCRA 1681i ( a ) ( 1 ) ( A ) mandates that Experian investigate disputed items in good faith within 30 days.

FCRA 1681i ( a ) ( 5 ) states that if Experian can not verify disputed information, it must be removed immediately. 
Despite these clear legal requirements, Experian has : Failed to provide verification of disputed accounts Refused to delete unverified items Sent repetitive stall letters instead of legitimate investigation results Their refusal to follow proper dispute resolution procedures is a blatant violation of my consumer rights under federal law. 

XXXX. Blocking Access to My Own Credit Report FCRA Violation [ 15 U.S.C. 1681g ] Experian has taken extreme steps to deny me access to my credit file, making it impossible to monitor my own credit.

They have placed a misleading note at the top of my credit profile stating that lenders may have different information, which effectively prevents me from seeing my full credit report.

They have made it so that no oneincluding myself or potential lenderscan pull my credit profile, stopping me from getting any form of financing.

This directly violates FCRA 1681g ( a ), which guarantees that every consumer has a right to full access to their credit file upon request.

4. Misleading & Obstructive Credit Reporting FCRA Violation [ 15 U.S.C. 1681e ( b ) ] Experian has engaged in deceptive credit reporting practices by : Placing a vague, obstructive notation on my credit file that prevents disputes and credit approvals.

Failing to provide factual, accurate, and complete consumer reports.

Blocking legitimate disputes and refusing to verify accounts.

Under FCRA 1681e ( b ), Experian is legally required to maintain accurate and fair reporting standards, yet they have failed to do so.

Formal Demands for Resolution : Experian must immediately take the following corrective actions : Restore my correct address and phone number on my credit report and provide written confirmation of this update. 
Grant me full, unaltered access to my credit file immediately, as required by law.

Provide a legitimate, detailed investigation of my disputes, including : The names, roles, and qualifications of the individuals responsible for investigating my disputes.

A list of steps taken during each investigation and the supporting documentation used.

The contact information for the dispute resolution department handling my case.

Remove all unverifiable, duplicate, or outdated information in compliance with FCRA 1681i ( a ) ( 5 ).

Cease placing misleading notes on my credit report that prevent me from seeing my credit profile or applying for credit.

Legal Consequences for Non-Compliance : If Experian fails to comply with these demands within 15 days, I will escalate this case further by : Filing additional complaints with the CFPB, FTC, and my states Attorney General. 
Seeking legal action for FCRA violations, including : Statutory damages of up to {$1000.00} per violation Actual damages for financial harm caused by Experians unlawful reporting Punitive damages for willful violations of the law Experians refusal to update my personal information, obstruct dispute investigations, and block access to my own credit report is unlawful and financially harmful. I expect a written confirmation of resolution within 15 days or I will take further legal action.

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