Consumer complaint received 2025-01-30 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 filed multiple disputes with Experian since XX/XX/XXXX regarding inaccurate accounts on my credit report. Experian has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1. Failure to Comply with My Certified Mail Request ( Initially ) Violation of FCRA Section 609 ( a ) ( 1 ) I specifically requested that Experian respond via certified mail only and not via email.

Experian initially ignored this request and continued to send dispute results electronically instead of by certified mail as requested.

After repeated attempts, Experian eventually complied, but only after multiple violations and delays.

Their failure to send dispute results in my preferred format hindered my ability to review their findings and respond in a timely manner.

This violated my consumer rights under FCRA Section 609 ( a ) ( 1 ), which mandates that a consumers file must contain accurate information and that consumers have the right to receive proper responses in their preferred form of communication.

2. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) When Experian claimed that the disputed accounts were verified, I requested the Method of Verification ( MOV ), as is my right under FCRA. 
Instead of providing legitimate proof, Experian failed to disclose how they verified the disputed accounts. 
The FCRA requires them to provide their verification process upon request, and they failed to do so. 
3. Improper Investigation Violation of FCRA Section 611 ( a ) ( 2 ) Instead of conducting a meaningful investigation, Experian simply stated that accounts were verified and updated based on information from the data furnisher.

They did not verify any supporting documentation, validate the accuracy of payment histories, or provide any proof that the information was lawfully verified.

FCRA Section 611 ( a ) ( 2 ) requires a reasonable investigation, and Experian failed to conduct one.

4. Failure to Remove Unverifiable & Inaccurate Information Violation of FCRA Section 611 ( a ) ( 5 ) If an account can not be properly verified, it must be deleted under the FCRA. 
Despite failing to provide verification, Experian continued reporting these accounts as accurate, violating FCRA Section 611 ( a ) ( 5 ).

5. Reporting Inconsistent and Conflicting Information Across Bureaus Violation of FCRA Section 607 ( b ) The same accounts that Experian verified as accurate contain discrepancies when compared to XXXX and XXXX. 
These accounts contain conflicting payment histories, inconsistent balances, and mismatched delinquency dates, making them factually inaccurate. 
Under FCRA Section 607 ( b ), credit bureaus must ensure maximum possible accuracy in reporting. Because the accounts are inconsistent across bureaus, Experian has violated this legal obligation.

6. Failure to Respond Within the Required 30-Day Timeframe Violation of FCRA Section 611 ( a ) ( 1 ) Under FCRA Section 611 ( a ) ( 1 ), Experian must complete an investigation within 30 days of receiving a dispute. 
Experian did not verify all items within the required time limit, violating the FCRA. 
Any item not verified within 30 days must be deleted, but Experian still refuses to remove the disputed accounts. 

Recent CFPB Enforcement Actions Against Experian Support My Case XX/XX/XXXX The CFPB sued Experian for : Failing to conduct real investigations into consumer disputes Running sham dispute processes and misleading consumers Reinserting previously deleted inaccurate information into credit reports This is exactly what Experian has done in my case, as they failed to properly verify disputed accounts, refused to delete unverifiable information, and reported conflicting data.

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