Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted over time, the credit bureaus have failed to perform a lawful reinvestigation or provide the required method of verification for disputed items as required under 15 U.S.C. 1681i ( a ) ( 7 ).

The bureaus have repeatedly sent generic verified responses without supplying any proof, documentation, or evidence showing how or from whom the information was verified. This is a violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items, and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Unresolved and Inaccurate Information The following accounts and personal information remain inaccurate and unverifiable despite multiple disputes : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes and supporting documentation, the credit bureaus have failed to provide : The exact method and process used to verify each account The full name, title, and contact details of the furnishers contacted Copies of any documentation relied upon to confirm the disputed information Violations and Legal Basis The actions of Equifax, Experian, and TransUnion constitute clear violations of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and good-faith reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a description of the method of verification. 

These failures indicate systemic negligence or willful noncompliance with federal law.

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