Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
* * RESPONSE TO EXPERIAN 'S INADEQUATE CFPB RESPONSE * * * * CFPB Complaint Submitted XX/XX/XXXX * * * * TO : Consumer Financial Protection Bureau * * * * RE : EXPERIAN 'S FAILURE TO ADDRESS ACTUAL COMPLAINT ISSUES * * * * EXPERIAN 'S RESPONSE IS COMPLETELY NON-RESPONSIVE : * * Experian 's response is a * * generic template * * that completely fails to address the specific FCRA violations documented in my complaint. Their response demonstrates either : 1. Complete disregard for CFPB complaint process, or 2. Intentional avoidance of addressing documented violations * * WHAT EXPERIAN FAILED TO ADDRESS : * * My complaint documented * * specific mathematical impossibilities * * in their credit reporting : 1. * * IMPOSSIBLE " LAST PAYMENT '' CONTRADICTION : * * - Credit report : " Date of Last Payment : XX/XX/XXXX '' - Payment history : Shows payments in XXXX & XX/XX/XXXX - * * EXPERIAN 'S RESPONSE : * * Generic website referrals 2. * * FALSE DELINQUENCY DATES : * * - Credit report : " Date of First Delinquency : XX/XX/XXXX '' - Payment history : Shows delinquency beginning XX/XX/XXXX - * * EXPERIAN 'S RESPONSE : * * Generic website referrals 3. * * IMPOSSIBLE REPORTING TIMELINE : * * - Credit report : " Delinquency First Reported XX/XX/XXXX '' - Reality : Delinquencies reported for XXXX years - * * EXPERIAN 'S RESPONSE : * * Generic website referrals 4. * * IGNORED {$700.00} SECURITY DEPOSIT : * * - Fact : {$700.00} payment applied XX/XX/XXXX ( XXXX confirmed ) - Credit report : No reflection of this major payment - * * EXPERIAN 'S RESPONSE : * * Generic website referrals * * EXPERIAN 'S DEFLECTION TACTICS : * * Instead of addressing these documented impossibilities, Experian : - Provided generic template response - Directed me to their own dispute process - Failed to investigate mathematical contradictions - Ignored specific FCRA violations documented - Treated serious violations as routine " dispute '' * * THIS VIOLATES CFPB COMPLAINT RESPONSE REQUIREMENTS : * * When a consumer files a CFPB complaint documenting specific violations, companies must : 1. * * Address the actual issues raised * * EXPERIAN FAILED 2. * * Investigate documented problems * * EXPERIAN FAILED 3. * * Provide substantive responses * * EXPERIAN FAILED 4. * * Take corrective action * * EXPERIAN FAILED * * EXPERIAN 'S FCRA OBLIGATIONS IGNORED : * * Under 15 U.S.C. 1681i ( a ), when mathematical impossibilities are documented, Experian must : - Conduct reasonable investigation of contradictory information - Delete unverifiable information - Correct inaccurate reporting * * EXPERIAN 'S ACTUAL RESPONSE : * * - Generic template with website links- Complete avoidance of documented violations - No investigation of mathematical impossibilities * * REQUESTED CFPB ACTION : * * 1. * * REQUIRE EXPERIAN TO PROVIDE SUBSTANTIVE RESPONSE * * to the actual mathematical impossibilities documented 2. * * INVESTIGATE EXPERIAN 'S PATTERN * * of avoiding legitimate FCRA violation complaints 3. * * ENSURE PROPER INVESTIGATION * * of impossible payment history sequences 4. * * HOLD EXPERIAN ACCOUNTABLE * * for rubber-stamp responses to serious violations * * THE CORE QUESTION EXPERIAN REFUSES TO ANSWER : * * * * How can they report payments in XXXX XXXX when they simultaneously report the " last payment '' was XX/XX/XXXX? * * This is not a complex dispute requiring website navigation- it's a basic mathematical impossibility that violates federal law. 

* * EXPERIAN 'S NON-RESPONSE PROVES WILLFUL NONCOMPLIANCE : * * By refusing to address documented mathematical impossibilities and providing generic responses to specific FCRA violations, Experian demonstrates willful disregard for federal law and CFPB oversight. 

I request the CFPB ensure Experian provides a * * substantive response * * to the mathematical impossibilities documented, not continued deflection to generic dispute processes. 

XXXX XXXX XXXX * * Documentation : * * - Experian 's generic template response - Credit report showing mathematical impossibilities - Evidence of contradictory payment history dates

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