Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Complaint Update Not a New Dispute ========================================================================= Re : Failure to Acknowledge or Respond to Certified Legal Notice Experian Related CFPB Complaint ID ( XXXX ) : XXXX Company : Experian Information Solutions , Inc . 
========================================================================= Purpose of This Update : This is a formal update to my existing CFPB complaint. I am not submitting a new dispute. This update is being provided for enforcement consideration and evidentiary recordkeeping. It outlines critical developments regarding Experians noncompliance with dispute-handling obligations under federal law.

Affidavit of Truth is attached to affirm the accuracy of the facts asserted herein and to preserve the legal integrity of this submission. 
========================================================================= Summary of Events : On XX/XX/year>, I mailed a formal, notarized dispute package to Experian via XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The package included : Sworn and Notarized Affidavit of Truth Pages 16 Experian Comprehensive Accountability and Violation Report ( CAVR ) Pages 13 For Your Situational Awareness Notices addressed to : Office of the Attorney General for the District of Columbia XXXX XXXX XXXX XXXX XXXX Attorney General for California XXXX XXXX Federal Trade Commission ( FTC ) Page XXXX Consumer Financial Protection Bureau ( CFPB ) Page 1 U.S. Department of Justice Consumer XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Page XXXX Better Business Bureau ( BBB ) Page XXXX Settlement Resolution and XXXX XXXX XXXX XXXX Proof of Identity : United States XXXX XXXX XXXX XXXX, XXXX. Drivers License Page XXXX Proof of Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX XXXX XXXX confirms that Experian received and signed for the package on XX/XX/year> at XXXXXXXX XXXX XXXX. However, Experian has failed to respond in writing, issue a reinvestigation notice, or link the dispute to any account resolution or response. The CFPB complaint portal responses received do not reference or acknowledge the certified legal materials, resulting in a total disconnect between Experians system and the legally served documents.

========================================================================= Statutory Violations Implicated : Experians failure to acknowledge or process the delivered notice raises multiple statutory concerns, including : ========================================================================= Federal Law ( FCRA, CFPA, Mail Regulations ) FCRA 1681i ( a ) ( 1 ) Failure to Reinvestigate Experian failed to initiate a reasonable reinvestigation upon receipt of my dispute and affidavit, violating the statutory duty to reinvestigate disputes " if the completeness or accuracy of any item of information... is disputed by the consumer. '' ========================================================================= FCRA 1681i ( a ) ( 6 ) ( B ) Failure to Provide Results of Reinvestigation No reinvestigation results or written explanation were provided within the required timeline.

========================================================================= FCRA 1681s-2 ( b ) Failure to Address CRA Notice of Dispute Experian continued to report the disputed items without conducting a reinvestigation or updating the record appropriately after receiving notice.

========================================================================= CFPA 12 U.S.C. 5531 ( c ) Unfair and Abusive Acts and Practices ( UDAAP ) Experians refusal to respond to certified legal mail constitutes abusive conduct by blocking access to federally protected rights. This results in material harm and obstructs lawful consumer dispute channels. 
========================================================================= 18 U.S.C. 1001 False Statements and Material Omissions in Agency Filings Experian continues to provide sanitized or generic dispute responses to the CFPB while omitting the existence of legally served affidavits and certified disputes. This creates a false or misleading regulatory record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX=================================================== XXXX XXXX XXXX ( XXXX ) Misrepresentation of Rights By refusing to acknowledge my dispute, Experian misrepresented my right to challenge inaccurate credit data under both federal and XXXX XXXX XXXX 
========================================================================= D.C. Code 28-3904 ( f ) Failure to Provide Meaningful Assistance or Response Experians silence and refusal to engage with a certified legal dispute violates the duty to assist consumers with lawful inquiries.

========================================================================= D.C. Code 28-3905 ( k ) ( 2 ) Entitlement to Treble Damages Given the willful and ongoing nature of Experians conduct, I reserve my right to pursue three times actual damages for violations of the CPPA.

========================================================================= California ( Civil Code + CCCRAA ) ========================================================================= Cal. Civ. Code 1785.16 ( f ) Obligation to Reinvestigate After Dispute Experian failed to notify me of the results of its investigation and provide a copy of my credit report following my certified dispute, violating the California Consumer Credit Reporting Agencies Act ( CCCRAA ).

========================================================================= Cal. Civ. Code 1785.25 ( a ) Duty to Report Accurate Information Experian is furnishing tradelines that are inaccurate and unverifiable, despite being placed on notice via a legal affidavit.

========================================================================= Cal. Civ. Code 1785.14 ( b ) Failure to Block Information After Written Dispute No action has been taken to block or suppress the data pending investigation, despite receipt of a notarized written dispute and affidavit.

========================================================================= New York ( General Business Law GBL 380 ) ========================================================================= GBL 380-f ( a ) Reinvestigation Requirement Experian has not conducted a reinvestigation free of charge within 30 days, as mandated under New York law upon written notice.

========================================================================= GBL 380-t Deceptive Conduct The failure to acknowledge a formal dispute served via certified mail constitutes deceptive and negligent conduct under New Yorks consumer protection statutes.

========================================================================= Escalation to U.S. Postal Inspection Service ( USPIS ) Because the dispute was sent via USPS Certified Mail and legally served, Experians failure to respond may also constitute procedural misconduct involving federal mail. I have formally referred this case to the USPIS for review and investigation. My complaint alleges that Experian may be : Discarding or mishandling certified legal notices Circumventing mail-based legal processes Creating a pattern of evading certified legal communications by responding solely through automated or portal-based templates ========================================================================= Requested Enforcement Action : I respectfully request that the CFPB : 1. Formally flag this matter for enforcement review under FCRA and CFPA ; 2. Investigate Experians failure to process or acknowledge certified dispute documents ; 3. Confirm whether Experians mail-handling and dispute compliance systems meet federal standards.

========================================================================= Preservation of Legal Rights : This update forms part of an active legal and regulatory evidence dossier. I reserve the right to pursue all available civil, statutory, and regulatory remedies without further notice. 
All future communications from Experian must be in writing and legally traceable. 
Respectfully submitted, 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