Consumer complaint received 2025-02-23 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: NE

Complaint narrative:
I am writing to submit an irrefutable, evidence-backed complaint regarding Experians flagrant, repeated violations of the Fair Credit Reporting Act ( FCRA ). This complaint documents the fourth instance in which Experian has knowingly and willfully disregarded its statutory obligations under 15 U.S.C. 1681i and 1681e, and it leverages all available evidence and communications to substantiate my claims. 

I. Background and Timeline of Evidence 1. First Dispute Filed XX/XX/XXXX I initially disputed a fraudulent collections account reported by XXXX XXXX XXXX ( XXXX ). Despite providing clear evidence that the charges were fraudulent, Experian inexplicably marked the dispute as completed on XX/XX/XXXX, without explaining or verifying the information under the FCRA. 

2. Second Dispute Filed XX/XX/XXXX In response to the first wrongful closure, I resubmitted my dispute on XX/XX/XXXX, XXXX time mailing 22 pieces of supporting documentation. Despite the extensive evidence submitted via Experians online portal and postal mail, Experian once again closed my dispute ( XX/XX/XXXX ) without undertaking a proper, individualized investigation of the evidence provided. 

3. Third Dispute Initiated XX/XX/XXXX Following my initial complaint with the Consumer Financial Protection Bureau ( CFPB ), Experian unilaterally reopened a dispute on my behalf on XX/XX/XXXX. Despite promising resolution by XX/XX/XXXX, Experian prematurely closed the dispute on XX/XX/XXXX, XXXXmerely eight days after reopeningrendering it impossible that a thorough reinvestigation could have occurred. Over 25 pieces of evidence were submitted through the CFPB portal and forwarded to Experian, yet they were summarily dismissed. 

4. Fourth Violation Email Demand on XX/XX/XXXX On XX/XX/XXXX, after reopening my dispute, Experian sent an email ( see attached ) demanding that I provide a valid identity theft report ( filed with the FTC or law enforcement ) to block the fraudulent information. This demand is entirely baseless and irrelevant, as I have never claimed to be a victim of identity theftinstead, my dispute solely concerns fraudulent charges imposed by the original creditor. By imposing this requirement, Experian is effectively stalling the dispute process and coercing me to provide false documentation, a tactic that is both unlawful and in clear violation of the FCRA. 

II. Clear Violations of the FCRA Experians conduct in handling these disputes is not an isolated incident but rather part of a pattern of systemic noncompliance, as evidenced by : Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Experian has repeatedly closed my disputes without a reasonable, independent investigation. The evidence I submitted was neither properly reviewed nor forwarded in a manner that allowed for a meaningful verification process. Instead, Experian appears to have relied on unverified responses or hastily generated conclusions. 
Failure to Review and Consider All Relevant Information ( 15 U.S.C. 1681i ( a ) ( 4 ) ) Despite submitting extensive documentationincluding over 25 pieces of evidenceExperians response was an AI-generated template that did not address any of the specifics of my dispute. This dismissive approach demonstrates an abdication of their duty to review all pertinent evidence. 
Failure to Ensure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian is legally obligated to maintain procedures designed to ensure the maximum possible accuracy in credit reporting. Its repeated failuresmost notably, the demand for an irrelevant identity theft reportundermine the integrity of my credit report and violate the FCRA.

Obstruction and Misrepresentation of the Dispute Process By demanding a police report documenting identity thefta claim I have never madeExperian is misrepresenting the nature of my dispute and deliberately obstructing the dispute resolution process. This coercive tactic is designed to force a false narrative and to delay corrective action, thereby inflicting further harm. 

XXXX. Evidence of Financial and Emotional Hardship Experians negligent and unlawful actions have had severe repercussions on my life : Financial Hardship : The fraudulent collections account has directly prevented me from securing stable housing. As a result, I have been forced to live in a hotel since my lease ended on XX/XX/XXXX. Additional financial burdens include storage fees and increased commuting costsall of which are direct consequences of Experians failure to remove inaccurate information from my credit report. 
Emotional Distress : The repeated dismissals, evasive responses, and blatantly misleading communications from Experian have caused significant XXXX  and emotional turmoil. The latest email demanding an identity theft report exacerbates this distress by forcing me into an impossible position of having to provide false documentation. 
Disparate Treatment : While XXXX, upon receiving the same evidence, conducted a proper investigation and removed the fraudulent account, Experians inexcusable delays and arbitrary closures highlight a disturbing pattern of selective noncompliance.

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