Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian sent me two letters that are not only incorrect but also completely inappropriate based on what I actually requested. I never requested an identity theft block, never filed an identity theft report, never claimed identity theft, and never asked Experian to block information under any identity theft statute. I have been disputing my accounts strictly under the Fair Credit Reporting Act because the information being reported is inaccurate and unverifiable. Instead of verifying anything, Experian sent me two letters accusing me of identity theft and making statements that are false, misleading, and completely unrelated to my dispute. 
The first Experian letter states that my request to block information was made in error, or based on a material misrepresentation, or that I knowingly obtained goods or services connected to the disputed transactions. Experian also stated they were declining my request to block one or more items. This is inappropriate because I never requested a block, never filed an ID theft report, and never claimed any item was the result of identity theft. Experian is fabricating a narrative that does not exist instead of properly investigating my dispute, which is a violation of their duty under the FCRA. 
The second Experian letter states that they were unable to block the requested items because my identity theft report was not received by law enforcement. Again, this makes no sense because I never submitted an identity theft report, never filed a police report, never submitted any kind of fraud affidavit, and never requested blocking under identity theft laws. Experian is sending irrelevant and misleading responses instead of addressing the actual dispute I submitted, which was a dispute of accuracy and verification. 
Both letters contain long instructions about providing identification, government ID, utility bills, and identity theft documentation. None of this applies to my dispute, and Experian knows that. Sending irrelevant identity-theft language is a known stall tactic, especially when a consumer never claimed identity theft in the first place. It also falsely implies that Experian is refusing to investigate unless I comply with requirements that have nothing to do with my actual dispute. 
Experian then sent another explanation of their dispute process claiming they contact furnishers and vendors and verify information within 30 days. That description does not match the reality of what they have done with my disputes. I have been disputing these accounts for well over 90 days and Experian has not provided one piece of documentation or verification for any of the negative items reporting on my file. They sent me fraud-related letters instead of actual investigation results. They have not provided contracts, payment histories, statements, charge-off calculations, or any proof to support the reporting of any accounts, late payments, collections, or inquiries. 
To be clear, what I actually requested from Experian was verification of the accounts reporting on my file : late payments, collections, charge-offs, and inquiries. I did not receive any of that. I have received only identity-theft-related letters, fraud alert emails, copies of my own credit report, and zero verification. Experian even declined a block request that I never made. These letters are completely disconnected from my dispute and do not satisfy Experians obligation to conduct a reasonable reinvestigation under the FCRA. 
Experian is attempting to categorize my dispute as identity theft in order to avoid providing the documentation required to verify the accounts. They are not investigating anything. They are not reviewing the evidence I submitted. They are not contacting the furnishers for real verification. They are not following the timelines required by federal law. And they are repeatedly mischaracterizing my dispute. This is not a reasonable reinvestigation, and it is not compliant with federal law.

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