Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
Claim Reference Number : XXXX Consumer : XXXX XXXX XXXX XXXX Submitted Through : CFPB Portal Subject : Repeated FCRA Violations, Failure to Properly Investigate Disputes, Inaccurate Reporting, and App-Only Responses Summary of Issues : Experian has repeatedly failed to properly investigate disputes I submitted via the CFPB portal. In several cases, I received only vague notifications through the Experian mobile app indicating that accounts were " updated, '' " verified, '' or " remain '' without providing any documentation or proof that an actual investigation occurred. Below are detailed examples : Dispute Evidence Applied Bank : Dispute # 1 Opened : XXXX XXXX XXXX Closed : XXXX XXXX XXXX  Reported Result : " Remains '' via app No documentation provided Dispute # 2 Opened : XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX Reported Result : " Remains '' via app No documentation provided Dispute # 3 Opened : AXXXX XXXX XXXX  Closed : XXXX XXXX XXXX Reported Result : " Verified '' via app No documentation provided XXXX XXXX XXXX  : Two accounts with identical account numbers, one marked charged off and one open/current.

Disputed via CFPB on XXXX XXXX XXXX  
Closed XXXX XXXX XXXX, marked " Updated '' in app.

No explanation provided about how two active listings with the same account number were handled or verified.

Second Creditor ( Same Pattern as XXXX XXXX  ) : Also had two accounts, one charged off, one open.

Dispute Opened : XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX Marked : " Updated '' No documentation provided XXXX XXXX XXXX : Dispute Opened : XXXX XXXX XXXX Closed : XXXX XXXX XXXX Reported Result : " Remains '' No documentation or verification shown XXXX XXXX  : Dispute Opened : XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX  Marked : " Updated '' No support or documentation provided XXXX XXXX : Dispute Opened : XXXX XXXX XXXX  Closed : XXXX XXXX XXXX Marked : " Updated '' No documentation provided Core Complaint Points : All of these disputes were submitted through the CFPB portal, yet Experian did not respond through the portal only through app notifications. 

No proof was ever shown that any of the disputes were properly investigated. 

Experian provided no method of verification, no written updates, and no communication from furnishers was shared with me. 

Duplicate accounts with the same numbers were allowed to remain on my report, which is a clear violation of accuracy requirements under the FCRA. 

Several disputes were closed in under a week, with no proper review timeframe, further demonstrating negligence. 

Experian also reinserted previously deleted accounts without sending me required reinsertion notices within 5 business days, violating 611 ( a ) ( 5 ) ( B ) of the FCRA. 

Additional Statement : This complaint references Claim # XXXX and includes supplemental dispute information and screenshots showing Experians failure to comply with proper dispute handling. These repeated actions reflect a systemic issue in how Experian processes disputes and violates consumer rights. I am requesting : A thorough investigation by the CFPB into Experians dispute process and verification procedures ; A requirement that Experian provide documentation showing how each account was verified and investigated ; Deletion of any account where the reinsertion, verification, or investigation violated the FCRA ; Corrective action taken against Experian for repeated violations and failure to respond in good faith.

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