Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in response to a dispute I submitted. 

On XX/XX/XXXX, I mailed a dispute letter to Experian, disputing several inaccurate and derogatory accounts, unauthorized inquiries, and incorrect personal information appearing on my credit report. My dispute included all necessary documents to verify my identity and support my claims, as required by the FCRA. 

Instead of conducting the reasonable reinvestigation required by law, Experian responded via letter dated XX/XX/XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response is not only inaccurate, but it is also a clear attempt to avoid their obligations under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation of any item in a consumer 's file that is disputed by the consumer. Experians refusal to investigate despite the dispute being sent directly by me, along with full identity verification, constitutes a violation of my consumer rights. 

In an attempt to resolve this issue amicably, I resent my dispute letter along with all required identification and supporting documents. Yet to date, Experian has failed to conduct the required investigation or address the inaccuracies in my credit report. 

The items I am disputing include : XXXX. Inaccurate Account Reporting XXXX - XXXX This account is reported as derogatory despite a payment status of Current and a payment history that does not justify the negative status. This is a direct violation of FCRA Section 623 ( a ) ( 1 ) which requires accurate and complete reporting. I request the immediate removal of the derogatory remark and positive update to reflect the actual account status. 

XXXX XXXX - XXXX This is a collection account that lacks proper verification. Under the FDCPA, I never received a debt validation notice from the original creditor or collection agency. Furthermore, under the FCRA, all reported data must be accurate and verifiable, which this account fails to meet. I request its immediate deletion from my credit report. 

XXXX. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and should be removed : 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  These inquiries were made without my knowledge or consent and violate the FCRAs requirement for permissible purpose under Section 604.

3. Inaccurate Personal Information The following addresses are not associated with me and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Their presence on my report is misleading and may affect my creditworthiness.

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