Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Affidavit of Facts State of XXXX XXXX of XXXX I, XXXX XXXX XXXX, being duly sworn, depose and state the following facts under penalty of perjury : On XX/XX/XXXX2024, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This complaint included : My Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my State-Issued Drivers License. 
A copy of my Social Security Card. 
A detailed explanation of the reasons for my dispute regarding inaccurate information on my credit report. 
In accordance with 15 U.S.C. 1681c-2 ( FCRA Identity Theft Protection ), Experian was required to block the disputed accounts within four business days upon receipt of my identity theft report and supporting documentation. However, Experian failed to remove the disputed items within the mandated timeframe. 
On XX/XX/XXXX, Experian notified me via email that the disputed accounts were " verified as accurate, '' despite my submission of sufficient evidence under the FCRA and identity theft protection laws. 
I contacted Experian on XX/XX/XXXX to follow up on their failure to comply with the 5-day statute under 15 U.S.C. 1681c-2 and informed them that they were in violation of this law. I also informed them that they had violated the 30-day dispute resolution requirement under 15 U.S.C. 1681i ( a ) for reinvestigations.

During this communication, I requested specific details regarding how Experian conducted their investigation, including : The methods used to verify the disputed accounts. 
The individuals or entities contacted during the investigation. 
Any evidence obtained that substantiated their claim that the accounts were accurate. 
Experian failed to provide any meaningful details about their investigation process, in violation of their obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires consumer reporting agencies to provide a description of the procedure used during a reinvestigation.

I also inquired about Experian arbitration process and attempted to provide verbal notice of intent to file arbitration regarding these violations. My request was denied, further obstructing my ability to resolve this matter.

Experian actions constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to block fraudulent accounts within five days as required by 15 U.S.C. 1681c-2.

Failure to conduct a proper reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ).

Failure to provide adequate details about their investigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Relevant case law supporting my claims includes : Cushman v. XXXX Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Establishes that credit reporting agencies must conduct a reasonable investigation when disputes are raised.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reinforces that CRAs must act promptly and accurately when handling disputes.

Guimond v. XXXX Credit Info Co., 45 F.3d 1329 ( 9th Cir. 1995 ) : Holds CRAs liable for failing to maintain reasonable procedures in ensuring accuracy.

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