Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
This complaint is being filed against Experian Information Solutions XXXX XXXX, headquartered in XXXX XXXX for willfully and negligently violating the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by failing to complete my reinvestigation and provide verified results within the XXXX statutory period after receiving my formal dispute. 

The FCRA 611 ( a ) ( 1 ) ( A ) explicitly mandates that all consumer reporting agencies must complete reinvestigations within XXXX days of receiving notice of a dispute. Experian failed to do so, thus acting in direct violation of federal law and maintaining false, unverifiable, and damaging data on my credit report. 

This noncompliance demonstrates a pattern of gross negligence and disregard for consumer rights protected under the FCRA. 


Experian received my dispute identifying multiple inaccurate, unverifiable, and inconsistent accounts on my consumer credit file. Despite providing all necessary information and documentation, Experian did not complete its reinvestigation within the XXXX timeframe required by federal law. 

During this unlawful delay, Experian continued to publish and circulate erroneous information, violating FCRA 1681e ( b ) by failing to ensure maximum possible accuracy in its data. 

The following accounts, taken directly from my Experian credit file, remain in dispute : Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Open / Current Balance : {$24000.00} Issue : Inconsistent payment history, improperly labeled dispute resolved consumer disagrees, and unverified data Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Derogatory / Collection / Charge-Off Balance : {$130.00} Issue : Unverified collection account and inaccurate reporting of charge-off status Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Derogatory / Charge-Off Balance : {$83.00} Issue : Duplicate or inconsistent reporting, unverifiable payment data, and improper notation of unpaid balance reported as a loss Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must complete reinvestigations of disputed information within 30 days from receipt of the consumer dispute. Its failure to do so constitutes both negligent and willful noncompliance with the Fair Credit Reporting Act under 616 and 617.

Additionally, maintaining inaccurate or unverifiable data violates 1681e ( b ), which requires Experian to follow reasonable procedures to assure maximum possible accuracy. 

By continuing to report false and unverifiable data, Experian has willfully ignored federal law, disregarded its duty of care, and caused material harm to my creditworthiness and reputation.

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