Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
TO : Consumer Financial Protection Bureau ( CFPB ) REGARDING : Experian ( Non-Compliance with Reinvestigation Requirements ) PREVIOUS COMPLAINT NO. : XXXX COMPLAINT SUBJECT : Failure to Conduct a Reasonable Reinvestigation and Reporting of Fraudulent Data ( 15 U.S.C. 1681i ) I. STATEMENT OF FACTS On XX/XX/year>, I filed a formal complaint ( No. XXXX ) with the CFPB against Experian, demanding the reinvestigation and deletion of several inaccurate trade lines, unauthorized inquiries, and a persistent identity error. On XX/XX/year>, Experian notified me via email that their " investigation '' was complete ( Report XXXX : XXXX ). However, a review of the results proves that Experian has not only failed to correct the errors but has allowed new, fraudulent data to enter my file, demonstrating a gross lack of " reasonable procedures '' under 15 U.S.C. 1681e ( b ) .II. SPECIFIC VIOLATIONS1. Creation/Reporting of Fraudulent Identity Data : Despite my previous complaint explicitly stating my address is in XXXX, NY, Experians new results now include a completely fraudulent address : XXXX XXXX XXXX, XXXX, NY XXXX XXXX I have NEVER lived or worked in XXXX. Placing a new, false address on my file after I disputed my address historyand while an Identity Theft statement is active on my fileis evidence of an inadequate and reckless investigation XXXX. Failure to Verify " Charged Off '' Accounts with Balances : Experian continues to report a " Balance Owed '' on accounts marked as " Charged Off '' ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. This is a facial inaccuracy. Under 15 U.S.C. 1681s-2 ( a ), these furnishers are providing contradictory data. Experians " verification '' via automated e-OSCAR codes does not satisfy the legal requirement for a " reasonable reinvestigation '' when the consumer provides specific factual disputes.3. Furnisher Non-Compliance ( XXXXXXXX XXXX  ) : I have directly demanded validation from XXXX XXXX, which they have failed to provide. If the furnisher can not provide source documentation to the consumer, they can not verify the account to the Bureau. Experians claim of " verification '' is therefore fraudulent or based on hearsay.III. DEMAND FOR RELIEF This complaint is being filed as a formal record in preparation for litigation. I demand the following : Deletion of the Fraudulent Address : Immediately remove XXXX XXXX XXXX, XXXX, NY XXXXDisclosure of Source Documents : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I demand Experian provide the original source documents and the specific contact information ( name and business address ) of every person contacted during this reinvestigation. Mandatory Deletion of Unverifiable Items : All trade lines and inquiries that can not be supported by original signed contracts and complete accounting ledgers must be deleted immediately. Experian is now on notice of willful non-compliance. I expect a substantive response within the statutory timeframe that includes the requested source documentation, not another generic investigation result.

Company response to consumer: Closed with explanation