Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Willful Noncompliance with FCRA Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian for its ongoing and willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve a dispute regarding inaccurate information on my credit report, Experian has twice refused to accept and properly investigate a dispute submitted by my legal counsel on my behalf. 

My legal representative provided all necessary documentation as required by Experians own procedures, including my verified signature and identifying information the same documents previously accepted by Experian for identity verification. Nevertheless, Experian has unjustifiably delayed and obstructed the investigation process. 

These actions directly violate several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Experians duty to conduct a reasonable reinvestigation upon receiving a dispute.

15 U.S.C. 1681b ( a ) ( 2 ) : Ensuring consistent consumer authorization and identity verification procedures.

15 U.S.C. 1681n : Addressing willful noncompliance with FCRA obligations.

I am requesting the CFPB to : 1. Investigate Experians refusal to process valid consumer disputes submitted by legal counsel. 
2. Enforce corrective measures and penalties for Experians repeated violations of federal law.

3. Compel Experian to promptly conduct a thorough reinvestigation of the disputed information on my credit report.

I have attached all supporting documentation, including the original disputes, proof of identity, and Experians responses.

Thank you for your prompt attention to this matter. I look forward to confirmation of receipt and further updates on how the CFPB will address these violations. 

Sincerely, [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] Complaint to the FTC Subject : Request for FTC Investigation into Experians Violations of FCRA Dear Federal Trade Commission, I am filing a formal complaint against Experian for its deliberate and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite following all proper procedures, Experian has twice refused to accept and investigate a dispute submitted by my legal counsel on my behalf, unlawfully obstructing the dispute process. 

My legal representative submitted my verified signature and identifying documents, fully aligned with Experians stated requirements the same documents previously accepted by Experian for identity verification. However, Experian has wrongfully rejected the dispute and failed to conduct a timely and reasonable investigation. 

These actions constitute clear violations of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requiring a credit reporting agency to reinvestigate disputed information upon request.

15 U.S.C. 1681b ( a ) ( 2 ) : Governing consumer authorization and identity verification practices.

15 U.S.C. 1681n : Addressing willful noncompliance with FCRA provisions.

I urge the FTC to : 1. Investigate Experians systemic refusal to process legitimate disputes submitted by legal counsel.

2. Impose penalties for Experians noncompliance with federal law.

3. Ensure Experian immediately adheres to its legal obligations by reinvestigating the disputed information.

Please find enclosed supporting documentation, including my legal counsels dispute letters, proof of identity, and Experians responses.

I trust the FTC will take decisive action to prevent further harm caused by Experians unlawful practices. I look forward to your acknowledgment of this complaint and updates on your investigation. 

Sincerely, [ Your XXXX XXXX XXXX ] [ XXXX ]

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