Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second complaint against Experian because Experians prior response was incomplete, inaccurate, misleading, and in direct violation of federal law. I have been disputing these itemsXXXX XXXX XXXX late payment ), XXXX  XXXX  ( late payment ), XXXX XXXX ( collection ), XXXX  XXXX XXXX XXXX ( charge-off ), and XXXX  XXXX XXXX XXXX ( duplicate charge-off ) for well over 90 days, and Experian has never provided XXXX single piece of documentation. Instead, Experian falsely implied that my dispute involved fraud or identity theft, even though I never filed an identity theft report, never submitted a fraud claim, and never requested any block. Misrepresenting the nature of my dispute is a stall tactic and violates FCRA 602, 611 ( a ), and 611 ( a ) ( 3 ). Experian states they contacted the furnisher, yet they provided no method of verification, no documentation, no contracts, no itemized statements, no DOFD, no ownership records, and no evidence whatsoever. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I am legally entitled to receive the method of verification and the documentation relied upon in the reinvestigation. Experian failed to provide both. Experian also left these items marked as verified, which is illegal because a proper reinvestigation requires supporting documentsnot a generic statement. Verification of a late payment requires : the original contract, full payment history, due date, posting date, and internal creditor proof of the actual delinquency. Verification of a collection legally requires : original agreement, itemized charges, DOFD, proof of ownership, chain of title, assignment documents, and evidence of collector authority. Verification of a charge-off requires : complete account history, DOFD, charge-off calculation, itemization, original signed contract, and accurate XXXX coding. Experian produced none of this. Leaving accounts in verified status without documentation violates FCRA 611 ( a ) ( 1 ) ( A ) ( failure to perform a reasonable reinvestigation ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known or that should have been known to be inaccurate ). Under XXXX, unverifiable information must be suppressed or deleted. Experians response was a generic template that avoided addressing the specific accounts, ignored duplicate reporting, ignored my documented disputes, and attempted to shift responsibility to me by telling me to contact the furnishers myselfanother violation of FCRA 611, because Experian is responsible for the reinvestigation. I am fully aware of the numerous lawsuits and federal actions against Experian for failing to reinvestigate properly, inaccurate reporting, and data breaches that exposed consumer information. Experians behavior in my case is consistent with those documented issues. I am fully prepared to pursue legal action if Experian continues to furnish unverified information.

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