Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint against Experian for repeated failure to investigate, verify, or correct inaccurate and unverifiable information on my credit report despite multiple lawful attempts to resolve these issues. 

XXXX. Identity and Verification My name is and only is XXXX XXXX. Proof of my government-issued identification is attached as Exhibit A, along with verification of my true residential address at XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX 

XXXX. Second Attempt Prior Correspondence Ignored This is my second attempt to obtain a lawful and complete response from Experian. 
My first dispute, attached as Exhibit B, clearly outlined the inaccurate and unverifiable accounts that should have been either corrected or deleted under the Fair Credit Reporting Act ( FCRA ). 
Despite receiving my letter and proof of identity, Experian failed to perform a reasonable reinvestigation, failed to provide verification from the original furnishers, and continued to publish false and unverified data on my credit report. 

XXXX. Invalid Accounts and Lack of Verification The accounts listed in Exhibit C are invalid, inaccurate, untimely, and unverifiable. 
Experian has not provided any competent evidence or documentation proving that these accounts are legitimate or legally reportable. Instead, Experian repeatedly issued generic verified as accurate responses without supplying the underlying verification or certification required by law. 
This demonstrates that no genuine reinvestigation occurred only automated template responses, in direct violation of FCRA 1681i. 

XXXX. Pattern of Neglect and Noncompliance Experians conduct reflects a pattern of neglect and noncompliance with multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Failing to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a reasonable reinvestigation after receiving my dispute.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Failing to notify the furnishers of the disputed information.

15 U.S.C. 1681i ( a ) ( 4 ) : Failing to review and consider all relevant evidence I submitted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failing to delete or correct the inaccurate or unverifiable data within 30 days. 

15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) : Continuing to report obsolete or outdated accounts beyond the allowable period.

15 U.S.C. 1681n & 1681o : Demonstrating willful and negligent noncompliance.

In short, Experians responses show no evidence of actual investigation or contact with data furnishers, and the same inaccurate information remains after lawful disputes a clear example of gross neglect and systemic failure to comply with FCRA obligations.

5. Harm and Denial of Rights As a direct result of Experians neglect : My creditworthiness has been damaged, I have been denied fair access to housing, employment, and credit, and I have been deprived of my constitutional right to due process in maintaining accurate financial records. 

The continued publication of false and unverified data has caused significant personal and financial harm. 

XXXX. Demand for Remedy I formally demand that Experian either : Provide competent evidence and certified verification proving the accuracy and legal reportability of each account listed in Exhibit C ; OR Permanently delete the disputed accounts and correct my credit file immediately, in full compliance with the FCRA. 

Failure to comply will result in the submission of authenticated sworn testimony to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and formal legal action for damages arising from Experians continued willful neglect and noncompliance. * * * * ( Copied from the attached Affidavit ) * * * *

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