Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
CFPB Complaint Rebuttal / Response to Experian Consumer Rebuttal to Companys Response Complaint ID : XXXX Submitted To : Consumer Financial Protection Bureau Company : Experian Date : XX/XX/year> To Whom It May Concern, I am writing in response to Experians XX/XX/year> reply regarding my FCRA complaint. 

While Experian claims that it conducted a reinvestigation and verified the disputed information with the data furnisher, this response is both inadequate and legally insufficient under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ).

My Continued Dispute Involves the Following Key Issues : XXXX. The account in question ( XXXX ) was charged off and sold to another entity. 
XXXX no longer owns or services the debt, and therefore can not legally verify the debts accuracy without providing supporting documentationnone of which was produced by Experian or the furnisher. 
2. No original documentation or validation has been provided.

I requested documentation showing the origin, balance, payment history, and legal right to report this account. Instead, Experian relied on automated verification from the furnishera practice that courts have found insufficient under FCRA when clear inconsistencies or inaccuracies are raised.

3. Experians response fails to address my claim that this account is unverifiable and potentially duplicative.

If the debt was sold, Experian must either : Identify the current owner, or Delete the account if ownership can not be verified under FCRA 611 ( a ) ( 5 ).

4. Experian failed to follow reasonable procedures to assure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Key Question : Why is Experian relying solely on unsubstantiated data from furnishers without obtaining any actual proofsuch as a contract, charge-off record, or assignment of the debtto confirm its right to remain on my report? 

This is especially egregious when I the consumer has submitted multiple disputes, documentation, and a clear factual basis for questioning the item. 



DEMAND FOR ACTION I am requesting that the Consumer Financial Protection Bureau re-open this matter for review based on : Experians failure to provide proper documentation or verification Experians use of boilerplate language instead of addressing specific factual inconsistencies My legal rights under FCRA 1681e ( b ) and 1681i, which remain unaddressed I also request the following : 1. That Experian be required to supply all documentation used to verify the disputed account, including communication with the data furnisher.

2. That Experian delete the account from my report if such documentation can not be produced.

3. That the CFPB monitor Experians dispute practices for systemic failures to investigate and ensure compliance with the FCRA. 

Thank you for your continued assistance. This is a serious matter that affects my creditworthiness, employment opportunities, and financial security. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) 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