Consumer complaint received 2025-01-31 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:
I submitted disputes to Experian on XX/XX/XXXX, regarding inaccurate personal information and inaccurate accounts on my credit report. Experian egregiously failed to comply with the Fair Credit Reporting Act ( FCRA ) in multiple ways : 1. Failure to Respond Within the 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. 
XXXX response was due by XX/XX/XXXX, but they did not provide any response until XX/XX/XXXX, and XX/XX/XXXX. 
This delay constitutes a blatant violation of the FCRA, and any items not properly verified within the required time must be deleted immediately under FCRA Section 611 ( a ) ( 5 ).

2. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) Experian updated and verified accounts as accurate without providing a Method of Verification ( MOV ) upon request.

They did not disclose how they verified the disputed accounts or provide any documentation proving their accuracy.

This violates FCRA Section 611 ( a ) ( 7 ), which requires Experian to disclose its verification process upon request.

3. Failure to Update Personal Information Violation of FCRA Section 609 ( a ) ( 1 ) Experian refused to update my personal information, including : Incorrect names listed on my report Incorrect addresses still reported after multiple dispute requests This directly violates FCRA Section 609 ( a ) ( 1 ), which mandates that consumer credit files must be accurate and updated upon request.

4. Failure to Remove Unverifiable & Inaccurate Accounts Violation of FCRA Section 611 ( a ) ( 5 ) Instead of deleting inaccurate accounts that could not be verified within 30 days, Experian continued to report them as accurate despite conflicting information across the bureaus.

If Experian can not verify these accounts with factual evidence, they are required to delete them.

Under FCRA Section 611 ( a ) ( 5 ), unverifiable accounts must be removed, and Experian has refused to comply.

5. Reporting Inconsistent and Conflicting Information Across Bureaus Violation of FCRA Section 607 ( b ) The accounts that Experian verified as reported contain multiple discrepancies when compared to XXXX and XXXX : Conflicting payment histories Inconsistent balances Different delinquency dates Under FCRA Section 607 ( b ), credit bureaus must ensure maximum possible accuracy when reporting consumer information. Experian failed in this obligation by verifying accounts that remain inconsistent across bureaus.

Recent CFPB Enforcement Actions Against Experian Support My Case In XXXX, the CFPB sued Experian and other major credit bureaus for violating the FCRA, citing : Failure to properly investigate consumer disputes Failure to delete unverifiable information Providing misleading credit reporting practices that harm consumers Experians handling of my dispute aligns with the unlawful practices the CFPB has already sanctioned them for.

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