Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
I am filing a complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to adhere to provisions outlined under 15 U.S.C. 1681 et seq., regarding the handling of consumer disputes, verification of information, and compliance with identity theft claims. 

XXXX. Failure to Provide Documentation of Investigation and Verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : I disputed several items on my credit report ( as listed in the attached documentation ) and subsequently received denials for all items. Upon receiving the denial, I requested Experian to provide documentation demonstrating the method of verification, process of investigation, and the sources of information used to uphold the accuracy of the disputed items. I cited the requirements under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) during my conversations with Experian representatives, including XXXX, XXXX ( XXXX XXXX XXXX XXXXXXXX ), and supervisor XXXX. However, all representatives refused to comply, asserting that Experian has no legal obligation to provide verification, which is a direct violation of the law. 


XXXX. Refusal to Escalate or Address Concerns Through Proper Channels : When I requested escalation of the matter to Experians legal team, my request was denied outright. Representatives intentionally diverted the process by stating I would have to call back, and I was further told no legal team was available or reachable. This obstruction is indicative of a lack of good faith compliance with legal obligations under the FCRA. 


XXXX. Failure to Properly Address Identity Theft Reports ( 1681c-2 ) : In my disputes, I advised Experian that I had filed reports with IdentityTheft.gov and indicated my willingness to provide additional documentation to substantiate the inaccuracies on my credit report. Experian failed to address or acknowledge my identity theft reports as required under 1681c-2, which mandates the blocking of fraudulent information once such evidence is provided. 



These actions constitute serious violations of my rights under the FCRA and demonstrate Experian 's failure to operate in accordance with the Federal Trade Commissions enforcement standards. Experians refusal to provide transparency in the dispute process, coupled with their unwillingness to escalate the matter for proper review, has caused significant harm to my financial standing and peace of mind. 

I request the CFPB investigate Experian 's noncompliance with the FCRA and FTC rules and ensure they provide the legally required documentation for their investigative process, verification methods, and sources of information. Additionally, I ask that appropriate action be taken to hold Experian accountable for obstructing lawful dispute procedures.

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