Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX Attorney General XXXX XXXX XXXX Experian XXXX Department Re : Formal Complaint against Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ________________________________________ Subject : Violations of the Fair Credit Reporting Act ( FCRA ), Retaliatory Behavior Following Complaint Filing, and XXXX XXXX XXXX XXXX Experian To Whom It XXXX Concern, I am writing to formally submit a Consumer Complaint against Experian, one of the three major credit reporting agencies, for what appears to be retaliatory and unfair reporting practices in direct response to a recent complaint I filed with both the Federal Trade Commission XXXX FTC ) and the Consumer Financial Protection Bureau XXXX CFPB ). 
Only days after I lodged a comprehensive complaint with federal regulators against Experian regarding numerous violations under the Fair Credit Reporting Act ( FCRA ) including failure to ensure accurate reporting, improper investigations, and refusal to adequately respond to debt validation claimsExperian inexplicably lowered my XXXX XXXX by XXXX points. 
This drastic score drop came without a legitimate, documented change to my report and was accompanied by a generic, non-specific explanation that reads as follows : Why did my score change?

Your credit score is updatedsometimes raised or loweredwhenever your credit report changes. Since your credit report is regularly updated with data from your lenders, such as your newly opened or closed accounts, its normal for your score to change. Reviewing your credit report regularly can help you understand these changes as they happen.

This vague and evasive response does not meet the standards set forth by federal law, specifically : ________________________________________ Violations and Applicable Statutes : 1. 15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Experian has a legal obligation to maintain accurate, complete, and up-to-date information on consumer reports. The unexplained drop in my score with no accompanying derogatory trade line, account closure, or verifiable change demonstrates a failure to comply with this statute.

2. 15 U.S. Code 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Given that I had multiple disputed accounts pending validation, Experians automated and unexplained score drop indicates a lack of good-faith reinvestigation efforts and further supports the claim that Experian did not act in accordance with their investigatory obligations.

3. 15 U.S. Code 1681s-2 ( b ) Duty of Furnishers of Information to Investigate Disputes Experian has continued to maintain and act on information from furnishers under dispute, without verifying or validating the legitimacy of the dataan act that violates its duty under federal law.

4. 15 U.S. Code 1681n and 1681o Civil Liability for Willful and Negligent Noncompliance Experians reckless disregard for my rights and abrupt score drop shortly after regulatory filings constitute willful and/or negligent violations for which damages are recoverable, including punitive damages.

5. 12 CFR 1022.43 ( b ) Consumer Reporting Agency Duties Experian is required to notify consumers of specific reasons for significant credit score changes. The lack of any concrete rationale or itemized account change is both a violation of due process and transparency.

________________________________________ Allegation of Retaliation and Pattern of Misconduct The timing of the 33-point score dropimmediately following my FTC and CFPB filingsis suspect at best, retaliatory at worst. Experian, acting as a federally regulated data broker and credit reporting agency, can not use its system of influence to penalize or intimidate consumers for invoking their legal rights.

I strongly believe that I have been targeted in retaliation for exercising my federally protected rights under the FCRA, and this act constitutes not only unprofessionalism, but potentially abusive and coercive behavior in violation of broader consumer protection statutes under 15 U.S. Code 45 ( FTC Act Unfair and Deceptive Practices ).

________________________________________ Thank you for your time and attention to this matter. I request that this complaint be logged, tracked, and escalated accordingly. 
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