Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am filing a new complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute identifying 31 inaccurate items via first-class mail, providing identification ( drivers license, utility bill ). Experian responded with a partial update, marking 4 items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) as verified and updated without investigation details, while ignoring 27 items. I sent a demand letter on XX/XX/XXXXXXXX  ( delivered XX/XX/XXXXXXXX  ), and another on XX/XX/XXXX, both via certified mail, demanding deletion due to their failure to investigate within 45 days ( by XX/XX/XXXXXXXX  ) under 15 U.S.C. 1681i ( a ) ( 1 ). 

As of XX/XX/XXXX, 60 days have passed since my initial dispute, and Experian has not fully complied. This morning, at XXXX XXXX, I received two emails requesting an Initial Security Alert and identity verification, which I interpret as further stall tactics. These emails ignore my prior identification and the 60-day noncompliance period, violating my rights. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), Experian must delete all 31 disputed items, including incorrect personal information ( e.g., XXXX XXXX, XXXX XXXX XXXX ), unauthorized inquiries ( e.g., XXXX XXXX XXXX XX/XX/XXXX ), unverified accounts ( e.g., AFFIRM XXXX, XXXX XXXX ), and incorrect amounts ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX ). 

Experians violations include : Failure to investigate 27 items and adequately investigate 4 items within 45 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

No evidence of notifying furnishers within 5 business days ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Imposing unreasonable barriers with the XXXX response and todays emails ( 15 U.S.C. 1681g ( c ) ). 
I demand that Experian immediately delete all 31 items and provide written confirmation with an updated credit report by XX/XX/XXXX, as outlined in my XX/XX/XXXX, demand letter ( to be sent today ). Their continued delays are unacceptable. 

Additional Information : I have attached supporting documentation, including my XX/XX/XXXX, dispute letter, XX/XX/XXXX and XX/XX/XXXX, demand letters, certified mail receipts ( XX/XX/XXXX and XX/XX/XXXX deliveries ), the two emails received today at XXXX XXXX, and identification ( drivers license, utility bill ). This evidence confirms my timely dispute and Experians ongoing noncompliance. 



Date ( s ) of Contact : XX/XX/XXXXXXXX  ( initial dispute ), XX/XX/XXXX, XX/XX/XXXXXXXX  ( demand letters ), XX/XX/XXXXXXXX  ( planned demand letter ). 
Company Response : Experian provided a partial response before XX/XX/XXXX, marking 4 items as verified without details, and sent two emails today requesting identity verification, which I view as stalling.

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