Consumer complaint received 2025-08-06 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: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Second Complaint Rebuttal Demand for Enforcement Relevant Complaint Numbers : XXXX ( Original complaint ) XXXX ( Most recent investigation ) Date : XX/XX/year> Subject : Final Rebuttal Pattern of Noncompliance by Experian, Failure to Investigate, Verify, or Remove Inaccurate Account Information To Whom It May Concern, This is my second formal complaint and final rebuttal concerning Experian 's repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and XXXX formal complaints CFPB Complaint # XXXX and # XXXXExperian continues to ignore its legal obligations and has not corrected the inaccuracies I lawfully disputed. 

Their most recent response ( dated XX/XX/year> ) is nothing more than a scripted and dismissive form letter. It failed to resolve or even acknowledge the key legal issues raised in my dispute. I am now demanding escalated enforcement action due to Experians clear pattern of willful noncompliance. 

Summary of Experians Violations : XXXX. Failure to Substantiate Verification ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Experian continues to claim that disputed accounts were verified, yet refuses to provide any documentation to prove the existence or accuracy of these accounts. Simply saying the furnisher responded is not a valid reinvestigation under the FCRA. I have the legal right to receive a description of the procedure used, which they have failed to provide twice. 
2. No Independent Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Experian is blindly deferring to the furnishers without conducting their own reasonable investigation. The law requires the consumer reporting agency to verify the datanot merely pass along the dispute. This is a direct statutory violation.

3. Refusal to Remove Unverifiable Information ( FCRA 1681i ( a ) ( 5 ) ( A ) ) Experian has not produced any evidence to validate the accounts, yet continues to report them. Under the FCRA, unverifiable information must be deleted. Experians continued reporting is a knowing violation of this provision.

4. Withholding Full Credit Report ( FCRA 1681j ) Despite multiple lawful requests, I have not received a complete copy of my Experian credit report. Denying me access to my full file while an active dispute is ongoing is a serious violation of federal law and directly impedes my ability to verify or correct false data. 

XXXX. Misleading Response Regarding Public Record Data Experian claims a third-party vendor collected public record data, but refuses to show how that data was matched to me, or whether proper identity verification procedures were followed. This lack of transparency is unacceptable and leaves consumers at risk of misidentification and reputational harm. 

Request for Immediate Enforcement Given the repeated failure to act on both complaint numbers ( # XXXX and # XXXX ), and Experians ongoing refusal to correct or even properly investigate disputed information, I now respectfully request that the CFPB : Escalate this case for supervisory or enforcement review Compel Experian to produce : Full documentation of the verification process used in each disputed tradeline The names of the furnishers and any parties involved in verification A full and current copy of my Experian credit report Investigate Experian for pattern violations and refusal to follow proper dispute protocols Their pattern of misrepresentation, delay, and dismissal is harmful, deceptive, and in blatant violation of the FCRA. If not addressed through enforcement, they will continue these tactics against other consumers as well. 

Thank you for your time and continued support. I look forward to your response. 

Sincerely, XXXX XXXX

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