Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
COMPLAINT SUMMARY I am writing to file a formal complaint against Experian Information Solutions Inc. for their continued violations of the Fair Credit Reporting Act ( FCRA ) and their obstruction of my rights as a consumer. Despite my repeated attempts to address inaccuracies on my credit report, Experian has failed to conduct a reasonable investigation, has ignored my disputes, and has continued to report unverifiable and inaccurate information. This complaint details Experian 's willful non-compliance with federal law and the significant harm it has caused me. 

DETAILED COMPLAINT NARRATIVE I. Background of the Dispute On XX/XX/year>, I sent a notarized dispute letter to Experian via certified mail, formally challenging several inaccurate and unverifiable items on my credit report. This letter clearly identified the disputed accounts, provided evidence of my identity, and was properly notarized in XXXX XXXX, Texas. I explicitly requested a thorough investigation into these matters as required by the FCRA. 

II. Experian 's Willful Non-Compliance and Obstruction Experian has engaged in a pattern of willful non-compliance and obstruction in response to my lawful dispute. Their actions demonstrate a blatant disregard for their legal obligations under the FCRA.

A. Failure to Conduct a Reasonable Investigation Upon receiving my dispute, Experian was legally obligated to conduct a reasonable investigation into the challenged information. Instead, they appear to have relied on an automated, superficial review, likely through the e-OSCAR system, which is not a substitute for a genuine investigation. They have failed to provide any substantive response to my dispute, nor have they furnished any evidence to verify the accuracy of the information I have challenged. 

B. Obstruction of Federal Investigation In response to my original CFPB complaint ( Case No. [ Original CFPB Complaint Number ] ), filed on XX/XX/year>, Experian falsely claimed on XX/XX/year>, that an " unauthorized third party '' was involved. This claim is demonstrably false and appears to be a deliberate tactic to obstruct the CFPB 's investigation into their systematic FCRA violations. I personally submitted all documentation, including my driver 's license and the original notarized dispute letters, through my personal CFPB account. There has been no third-party involvement at any stage of this process. 

This pattern of obstruction is not only a violation of my rights but also a direct interference with the CFPB 's regulatory oversight process. It is a clear attempt to delay and evade accountability for their unlawful credit reporting practices. 

III. Violations of Federal Law Experian 's actions constitute multiple violations of federal law, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Failure to conduct a reasonable investigation of a consumer 's dispute. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to properly investigate and respond to a consumer dispute.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 : Engaging in unfair, deceptive, or abusive acts or practices.

18 U.S.C. 1001 : Making false statements to a federal agency.

IV. Harm to the Consumer Experian 's unlawful actions have caused me significant harm, including : Damage to my creditworthiness and reputation.

Denial of credit and other economic opportunities. 

Emotional distress and frustration resulting from their deceptive and obstructive tactics. 

The continued presence of inaccurate information on my credit report, which has a direct negative impact on my financial well-being.

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