Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
CFPB COMPLAINT LETTER EXPERIAN NONCOMPLIANCE & STALL TACTICS To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX Email XXXX XXXX XXXX XXXX  Date : [ XX/XX/year> ] Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate, Provide Results, and Unlawful Reinsertion of Deleted Accounts Summary of the Issue : I am filing this complaint against Experian for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ) ( iii ), and 611 ( a ) ( 7 ).

For the past two months, I have submitted multiple written disputes via USPS Certified Mail regarding inaccurate and potentially fraudulent accounts appearing on my Experian credit report.

Despite providing full identification, proof of address, and detailed dispute explanations, Experian continues to use stall tactics and refuses to complete a lawful reinvestigation as required by law. 


Timeline of Events : XX/XX/year> : I mailed a dispute letter to Experian via USPS Certified Mail ( receipt attached ).

Over 30 days passed with no written investigation results provided, violating FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX  : I followed up with additional letters demanding compliance and requesting written confirmation of their reinvestigation results. 

XX/XX/year> : Experian sent two emails stating they were unable to honor your request and suggesting I call them by phone instead of completing the written investigation as required by law. 

In a second email, Experian falsely claimed that my request to block information was based on a material misrepresentation and reinserted previously deleted accounts without providing the mandatory written notice required under FCRA 611 ( a ) ( 5 ) ( B ). 


Violations by Experian : XXXX. Failure to complete a reasonable reinvestigation within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ). 


XXXX. Failure to provide written results of the reinvestigation and the name of the furnisher ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 


XXXX. Illegal reinsertion of deleted information without providing the required five-day written notice ( FCRA 611 ( a ) ( 5 ) ( B ) ). 


XXXX. Improper use of stall letters instead of investigating the dispute in good faith. 


XXXX. Failure to provide copies of their investigation results, despite repeated requests and evidence of certified mail delivery. 

Evidence Included : USPS Certified Mail receipts and tracking numbers ( XX/XX/year>, and later ). 

Copies of dispute letters sent to Experian. 

Screenshots and emails received from Experian dated XX/XX/year>. 

Copies of Experians unable to honor your request and material misrepresentation emails.

Requested Action : I am requesting that the CFPB : XXXX. Conduct a full investigation into Experians compliance with the FCRA. 


XXXX. Require Experian to provide written verification and documentation of all reinvestigations. 


XXXX. Enforce penalties or corrective actions for Experians repeated violations and stall tactics. 


XXXX. Ensure that Experian removes any reinserted or unverifiable accounts from my report immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX Email : [ XXXX ]

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