Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am filing this complaint against Experian for their refusal to conduct a reasonable reinvestigation of disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate disputed information within 30 days of receiving a consumers dispute. 
On XX/XX/scrub> 2025, I mailed a dispute letter to Experian, disputing the following inaccurate negative items and public records on my credit report : XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported inaccurately, and Experian has failed to verify or correct the errors. 
XXXX  XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
Bankruptcy Reporting : Court Name : XXXX Bankruptcy XXXX, XXXX, FL, Reference Number : XXXX : This entry is incomplete and lacks verification details. 
Court Name : XXXX Bankruptcy XXXX, XXXX, FL, Reference Number : XXXX : This entry is also incomplete and unverified. 
In my dispute letter, I requested specific information on how Experian conducts their investigation, proof that an investigation was conducted, and details on the verification process for these items, particularly the bankruptcy entries. I noted that my XXXX consumer report ( number XXXX ) does not show any public records related to bankruptcy, raising concerns about the accuracy of Experians reporting. To verify my identity, I included copies of my government-issued ID, Social Security card , and proof of address with the dispute letter. 
On XX/XX/scrub> 2025, I received an email from Experian stating We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

. This refusal violates FCRA 1681i, as Experian is obligated to perform a reasonable reinvestigation of disputed information, especially since I provided sufficient identification to confirm my identity. 
In an attempt to resolve this issue, I mailed a second dispute letter to Experian on XX/XX/scrub> 2025, reiterating my request for a proper investigation. Concurrently, I am filing this CFPB complaint to ensure my consumer rights are upheld and not violated further.

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