Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, specifically relating to their refusal to provide adequate evidence or documentation of their reinvestigation process in response to my formal dispute ( s ) of inaccurate information on my credit report.

Details of the Violation : I submitted a proper dispute under FCRA 611 requesting verification of certain accounts on my Experian credit report. Experian responded by stating the accounts had been " verified, '' yet failed to provide any tangible documentation supporting the verification process. They did not provide any details, such as : The name of the furnisher who verified the information, The method and dates the accounts were verified, Or the specific evidence used in the reinvestigation process.

Worse, when I contacted Experian by phone to request this information, I was told by a representative that it is against their policy to provide such information to the consumera direct contradiction of the FCRAs legal requirements for transparency in disputes.

This lack of transparency makes it impossible for me to meaningfully verify or challenge the accuracy of the information being reported, which is the very purpose of the FCRA 's dispute process.

Violation Summary : Experian is in violation of : FCRA 611 ( a ) By failing to conduct a reasonable investigation or provide results of their investigation in a transparent manner.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) By failing to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information.

FCRA 611 ( a ) ( 5 ) For failing to delete unverifiable information within the time frame allowed by law.

Further Violations : ND ( No Data ) Reporting on Key Accounts Upon recent review of my updated Experian credit report, I discovered the following accounts are reporting ND ( No Data ) for multiple consecutive months which constitutes incomplete and inaccurate reporting under both the FCRA and CFPB compliance guidelines : Fair Collections & Outsourcing : Multiple months of ND entries in the payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Multiple months of " No Data '' for consecutive months as well Under CFPB guidance, credit data must be both accurate and complete. Reporting " ND '' across multiple billing periods creates a misleading and incomplete picture of account status, violating FCRA 602 ( A ) and 611 ( a ) ( 5 ) ( A ). If data furnishers can not report correctly and continuously, these accounts must be removed from my report.

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