Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I submitted multiple verified disputes to Experian regarding outdated and unverifiable personal identifiers, including incorrect names, obsolete addresses, and prior employers. 
Each dispute contained complete identifying documentation as required under the Fair Credit Reporting Act ( FCRA ), including my Texas drivers license, Social Security card, and a recent utility bill. 

Despite verified proof of delivery and full compliance with identification requirements, Experian failed to conduct any lawful reinvestigation. On XX/XX/year>, Experian issued a stall letter falsely claiming my dispute had been submitted by an unauthorized third party an assertion proven false by sworn affidavits and certified mail records. 

To provide Experian with XXXX final opportunity for resolution before litigation, I mailed a Pre-Litigation Settlement Demand Package on XX/XX/year>, which was received by Experians XXXX, XXXX  facility on XX/XX/year>, at XXXX XXXX  according to XXXX XXXX delivery tracking. 
This package contained all supporting evidence, affidavits, and the demand for private settlement under the FCRA. 
Experian has failed to respond in any form to this pre-litigation package or prior lawful disputes. 

XXXX. Timeline of Key Events XX/XX/year> : Original dispute submitted with identifying documentation ( Exhibit A ) XX/XX/year> : XXXX confirms delivery to Experian, Tracking # XXXX ( Exhibit B ) XX/XX/year> XXXX AM : Experian issues stall letter falsely claiming third-party submission ( Exhibit C ) XX/XX/year> : Second dispute mailed with complete identifying documentation ( Exhibit D ) XX/XX/year> : XXXX confirms delivery, Tracking # XXXX ( Exhibit E ) XX/XX/year> : Updated Experian credit report obtained no corrections or deletions ( Exhibit F ) XX/XX/year> : Affidavits of Facts and Mailing executed before notary ( XXXX XXXX XXXX XXXX  ) XX/XX/year> XXXX XXXX  : Experian received the full Pre-Litigation Settlement Demand Package containing all exhibits and evidence ; no response or acknowledgment was ever provided. 

XXXX. Description of Harm Experians repeated refusal to reinvestigate and failure to respond to my pre-litigation package has caused : Continued reporting of inaccurate and outdated personal identifiers Emotional distress and frustration due to repeated noncompliance Loss of credit opportunities and reputational harm Time and expense incurred to document, mail, and notarize evidence These harms were directly caused by Experians willful and negligent disregard of the FCRA. 

XXXX. Legal Violations Experians conduct constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 3 ) : Improperly classifying valid disputes as frivolous or irrelevant 15 U.S.C. 1681g : Failure to provide a complete consumer file disclosure 15 U.S.C. 1681n : Willful noncompliance ( subject to statutory and punitive damages ) 15 U.S.C. 1681o : Negligent noncompliance Experians inaction after receiving the XX/XX/year> pre-litigation package demonstrates a pattern of willful disregard for consumer rights and federal obligations. 

XXXX. Supporting Evidence The following evidence is attached and available for CFPB review : Pre-Litigation Settlement Demand Letter ( dated XX/XX/year> ) Original Dispute Letter ( XX/XX/year> ) Certified Mail Receipts and Delivery Confirmations ( XX/XX/XXXX & XX/XX/year> ) Stall Letter Email from Experian ( XX/XX/year> XXXX XXXX  ) Second Dispute Letter ( XX/XX/year> ) Updated Experian Credit Report ( XX/XX/year> ) Affidavit of Facts XXXX XXXX XXXX ( Notarized XX/XX/year> ) Affidavit of Mailing XXXX XXXX XXXX ( Notarized XX/XX/year> ) Proof of Delivery of the Pre-Litigation Settlement Package ( Received XX/XX/year> at XXXXXXXX XXXX. ) Complainant Declaration : I declare under penalty of perjury that the information contained in this complaint is true and correct to the best of my knowledge.

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