Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Experian for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in relation to their improper handling of a dispute I submitted regarding the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : [ e.g., incorrect balance, wrong account status, inaccurate payment history ] Although I received a response claiming that the information was verified, significant inaccuracies remain unresolved. I request a more thorough investigation that addresses the following legal and factual concerns : Grounds for Dispute and Legal Violations : Inconsistencies among bureaus : The reported information on this account differs across the three major credit bureaus, including discrepancies such as [ list inconsistencies : dates, balances, account status ].

Lack of original documentation verification ( 15 U.S.C. 609 ( a ) ( 1 ) ( A ) ) : Under the FCRA, the agency is required to verify reported information using the original signed consumer contract. This documentation has not been provided.

Right to proper investigation ( 15 U.S.C. 1681i ) : The bureau failed to conduct a complete and reasonable investigation within the 30-day legal window. The results provided were inadequate and did not address my concerns.

Inadequate compliance procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it uses reasonable procedures to ensure the maximum possible accuracy of the information in my report.

Obligations of data furnishers ( 15 U.S.C. 1681s-2 ) : The original creditor did not properly investigate or correct the disputed information after being notified, as required by law.

Lack of transparency and accuracy ( TILA 15 U.S.C. 1601 ) : The reported information lacks accuracy and transparency, violating my consumer rights under TILA.

Non-compliance with Public Law 91-506, Title VI, Section 611 : This law outlines the procedures required to remove inaccurate or incomplete information. The bureaus response did not meet these standards.

15 U.S.C. 1681i ( 7 ) : I have not received a detailed explanation of the investigation methods used, which should be provided within 15 days of receiving a consumer dispute.

Unverified public record : Under the FCRA, no public record may be reported without physical verification ( i.e., signed contract or court judgment ). Due to lack of verification, I request the immediate deletion of this account.

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