Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXXXXXX has knowingly reported and failed to correct a range of inaccurate, misleading, and fraudulent information on my consumer report. Despite my detailed disputes, XXXX has taken no lawful action. The types of information in question include an incorrect version of my legal name ( omitting the suffix ), an outdated mailing address, multiple installment loans I did not apply for, conflicting birthdates, an incorrect drivers license number, a long list of addresses Ive never lived at, mixed messages about whether I rent or own property, phone numbers and email addresses that arent mine, a completely inaccurate employer entry, and even bank accounts Ive never opened or authorized. 

On XX/XX/year>, I submitted a comprehensive dispute through the CFPBs official portal. This complaint came directly from my verified consumer account. I clearly outlined all inaccurate or fraudulent data appearing in my XXXX file, including transaction timestamps, reference numbers, and the specific issues that were incorrect. I expected this to trigger XXXX legal obligation to reinvestigate the disputed information. 

Five days later, on XX/XX/year>, XXXX submitted a response claiming the dispute was either not submitted by me or not authorized by me. This is categorically false. I submitted the dispute personally, through the CFPBs secure and verified platform. XXXX claim appears to be a deliberate attempt to sidestep their legal responsibilities under the Fair Credit Reporting Act. 

Then on XX/XX/year>, I called XXXX directly. A representative confirmed my identity and stated that the dispute had in fact been received and logged. I was issued a reference number : XXXX. But shockingly, less than thirty minutes later, I received a call from what appeared to be the same representativethis time from a private numbertelling me that XXXX would not reopen my dispute after all. There was no explanation other than a vague claim that the dispute had not followed their preferred channel. 

This is not just improperits illegal. The law doesnt say I have to call or mail anything. The Fair Credit Reporting Act explicitly states that if a consumer notifies a credit reporting agency directly about a dispute, that agency is legally required to reinvestigate. The CFPB portal is a direct method, and verified. XXXX own staff acknowledged that they verified my identity and received my dispute. Their refusal to proceed is a willful violation of the law. 

The deadline for reinvestigation was XX/XX/XXXXXXXX XXXX30 days after XXXX first received my dispute. As of XX/XX/year>, I have received no update, no reinvestigation, and no resolution. XXXX XXXX XXXXXXXX is now in clear violation of the Fair Credit Reporting Act, and their actions demonstrate both willful noncompliance and bad faith. 

XXXX has violated several provisions of federal law, including : They failed to reinvestigate after receiving my dispute, which is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

They never provided any results of their investigation within the required 30-day window, violating 1681i ( a ) ( 6 ).

They did not delete or correct any unverifiable or inaccurate information, which violates 1681i ( a ) ( 5 ).

Their conduct is either negligent or willfulor bothviolating 1681n and 1681o of the FCRA.

They also failed to maintain reasonable procedures to ensure maximum accuracy of the information they reported about me, which is a violation of 1681e ( b ).

To be specific, they failed to correct the omission of my name suffix ; the incorrect mailing address ; nine separate unauthorized installment loan applications ; the incorrect date of birth ; a wrong drivers license number ; five invalid residential addresses ; conflicting property ownership data ; two phone numbers Ive never used ; two unrecognized email addresses ; a false employer listing ; and three complete bank accounts that were fraudulently linked to me. Thats a total of at least 27 distinct violations.

Each of these violations qualifies for {$1000.00} in statutory damages under 1681n. That totals {$28000.00} in minimum damages. On top of that, I am reserving my right to pursue actual damages, punitive damages, and compensation for emotional distress and legal costs. This situation has caused unnecessary stress, wasted time, and exposure to identity theft consequences thaXXXX XXXX is helping to perpetuate through inaction. 

I have made multiple good-faith attempts to resolve these issues through legal channels. I submitted a dispute through the governments official portal. I called XXXX directly. I gave them the opportunity to verify my identity and fulfill their obligations. They acknowledged my identity, confirmed receipt of my dispute, and then made an intentional decision to do nothing. That is not just poor customer serviceit is unlawful obstruction. 

XXXX XXXX XXXXXXXX is willfully ignoring federal law. I request the CFPB to investigate and compel XXXX to perform a full reinvestigation, correct the fraudulent data, and comply with the law. They must also be held accountable for knowingly dismissing a valid dispute filed through an official government channel. 

If necessary, I will escalate this through civil litigation and notify additional authorities including the FTC and my State Attorney General. XXXX can not be allowed to continue violating consumer rights without consequence.

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