Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I am filing this complaint against all three major credit bureaus Experian, XXXX, and XXXX for failing to properly investigate and verify a disputed account ( XXXX XXXX  Acct # XXXX ) on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

This is about the 3rd time that I have submitted three certified dispute letters to each bureau, including a copy of my government-issued ID, proof of address ( utility bill ), and a signed affidavit affirming that I personally sent the dispute. Despite this, each time I received vague replies from the bureaus claiming they could not confirm I sent the letters and instructing me to call for more information. This is a stall tactic and a clear violation of my rights under the FCRA. I DID send all the request MYSELF each and every time. I even forewarned them that my final attempt would lead to further actions. 

In my letters, I specifically requested a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I asked for : The name, address, and contact information of the entity that verified the account, A detailed description of the verification process used to confirm the account 's accuracy, And copies of any documentation received from XXXX XXXX to validate my legal obligation to the debt. 

I also contacted the data furnisher, XXXX XXXX directly. They were unable to provide any supporting documentation for this debt meaning the bureaus are reporting unverifiable and inaccurate information, which violates FCRA 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ). 

Furthermore, I have previously been a victim of identity theft, and it is imperative that the credit bureaus act with diligence and integrity in ensuring that any reported account is accurate, verified, and legitimately mine. Failing to do so puts me at further risk of financial harm and long-term credit damage. I am in need of assistance as the bureaus are purposely and willingly ignoring my request. I seek relief from the CFPB before moving forward with legal actions as allowable by law. 

Finally, I must emphasize that this situation reflects a much deeper and more dangerous issue the role credit bureaus have played in perpetuating systemic racism and economic oppression. As a member of a historically marginalized community, I have consistently found inaccurate, misleading, and harmful information on my credit reports, despite doing everything legally required to protect and repair my profile. The emotional distress, economic hardship, and systemic barriers created by these inaccuracies have caused irreparable harm to my financial life, mental health, and opportunities for advancement. 

It is unacceptable that in XXXX, these multibillion-dollar companies still operate with so little accountability while millions of consumers particularly XXXX and XXXX individuals are repeatedly forced to fight tooth and nail to correct their own credit histories. The credit reporting system, as it stands, is rigged, outdated, and unjust. I am not asking for favors. I am demanding accountability, deletion of the account, and permanent change in how consumer disputes are handled starting with mine.

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