Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I requested a description of the procedure Experian used to verify my disputes under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), including which furnishers were contacted, what documents were reviewed, and copies of any documentation used to verify the accounts and inquiries. 

Complaint against Experian hard-inquiry and collection disputes closed in hours without a real investigation ( FCRA violations ) I am filing this complaint against Experian Information Solutions XXXX XXXX for XXXX to conduct a reasonable reinvestigation of my disputes and for refusing to provide a description of the procedures used, as required by the Fair Credit Reporting Act ( FCRA ). 

Recently I submitted disputes through Experians online Dispute Center ( mobile app ) regarding : several hard inquiries from auto dealers/finance companies that I did not directly authorize one-by-one, and certain collection accounts that I believe are being reported inaccurately or without proper documentation. 

In my dispute I asked Experian to either : XXXX remove the disputed inquiries and collections, or XXXX provide proof of my authorization and documentation, including contracts, applications, and records from the furnishers. 

However, Experians own system shows that my disputes were opened and closed on the same day, in just a few hours. On XX/XX/year>, Experian generated a Dispute Results report ( Report XXXX. XXXX ) stating : Our reinvestigation of the dispute you recently submitted is now complete. 

No changes were made to the hard inquiries. They simply remained on my report as verified, and Experian did not provide any copies of contracts, signed authorizations, or other proof to show that these inquiries were properly authorized or that the collection information is accurate. 

I then used Experians virtual assistant XXXX to ask about their dispute process and timelines. EVAs response was that Experians dispute investigations typically take several days because the bureau must notify the furnisher within XXXX days and complete the investigation within XXXX days ( or XXXX  days in some cases ), and that completing an investigation in less than XXXX hours is unlikely due to the procedural requirements. 

Despite this, in my case Experian treated my dispute as fully reinvestigated in just a few hours on the same day, with no explanation of what, if anything, was actually done. 

Under FCRA XXXX ( a ) ( XXXX XXXX. XXXX ), Experian is required to conduct a reasonable reinvestigation of disputed information. Simply sending an automated electronic verify request and closing the dispute in hours without reviewing or sharing any supporting documentation does not appear to meet that standard. 

Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ), when a consumer requests it, a credit reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of each furnisher that was contacted. Experian has not provided me with any such description for these disputes. I am only given generic language and told to contact the creditors myself. 

Under FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ), Experian must follow reasonable procedures to assure maximum possible accuracy of the information they report. Leaving hard inquiries and derogatory accounts on my report after a same-day reinvestigation, with no proof of authorization and no documentation, does not assure maximum possible accuracy. 

This has caused me real harm. These hard inquiries and negative accounts are lowering my Experian-based XXXX XXXX and making it harder for me to obtain credit, open bank accounts, and qualify for leases and other necessities. 

I am attaching : Experians Dispute Results report dated XX/XX/year> ( showing the reinvestigation marked complete ), and Screenshots of my chat with XXXX, Experians virtual assistant, showing that Experian itself says investigations usually take several days and that completing XXXX in less than XXXX hours is unlikely. 

I respectfully request that the CFPB : XXXX. Investigate whether Experian complied with its obligations under FCRA XXXX ( a ) and XXXX ( b ) in handling my disputes ; and XXXX. Require Experian to delete the disputed items from my Experian file if they can not provide real documentary proof that they are accurate, complete, and properly authorized. 

Thank you for your assistance

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