Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding unlawful, unauthorized, and harmful credit reporting being furnished and maintained under my personal credit profile. 

I have identified one or more accounts being reported to the major consumer reporting agenciesXXXX  Experian, and XXXXwithout my verified authorization or permissible purpose as required by 15 U.S.C. 1681b. These accounts and/or tradelines are causing measurable harm to my financial reputation, resulting in repeated denials of credit, increased interest rates, and emotional and reputational damage.

I previously submitted formal disputes directly to the consumer reporting agencies and the furnishers involved. Despite this, they failed to perform the required reasonable investigation under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). Instead, they relied solely on an automated E-Oscar system response, which does not constitute a lawful reinvestigation as required by law.

This practice violates multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681b Requiring permissible purpose before furnishing or obtaining a consumer report.

15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy in consumer reports. 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate and complete information.

15 U.S.C. 1681s-2 ( b ) Furnishers duties upon notice of dispute.

These violations are serious and ongoing. The furnishers and credit reporting agencies have failed to verify the accuracy or authorization of the reported accounts and have instead continued to publish and distribute false and damaging information without proper validation or consumer consent. 

I am formally demanding that the CFPB : Initiate an immediate investigation into the practices of the credit reporting agencies and the furnishers involved for failing to comply with FCRA investigation requirements.

Require production of documentation from each furnisher verifying permissible purpose, original signed authorization, and all supporting evidence validating the account ( s ) being reported. 

Order removal or suppression of all unverifiable, inaccurate, or unauthorized information from my credit reports. 

Impose penalties or corrective action where noncompliance is found, as permitted under the FCRA and CFPB enforcement authority. 

Please be advised that I am not requesting or consenting to another automated investigation through the E-Oscar system or any equivalent data-only verification process. I am demanding a full, manual reinvestigation in accordance with federal law. 


I am requesting written confirmation that this complaint has been received, a case number assigned, and that a full investigation is being conducted. 

Thank you for your attention to this matter and your commitment to enforcing federal consumer protection laws. 

Respectfully,

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