Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am filing this complaint because Experian has failed to comply with multiple obligations under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 611 ( a ) ( 7 ), 607 ( b ), 609 ( a ), and 609 ( c ). 

On XX/XX/year>, I mailed a detailed written dispute to Experian regarding multiple inaccuracies in my credit file, including : Incorrect name variations Multiple outdated addresses Unverified and unauthorized hard inquiries Incorrect personal identifiers I provided full identity verification, including government-issued ID and proof of address. 

Experian responded by removing only old employer information and completely ignoring all other disputed items. No corrected personal information was applied, no inquiries were removed, and no legally required explanation of verification was provided. 

Because Experian did not reinvestigate the full list of items, and did not address the dispute in its entirety, their response did not comply with FCRA 611 ( a ) ( 1 ) ( A ) which requires a reasonable reinvestigation of each item disputed. 

On XX/XX/year>, I filed my first CFPB complaint regarding Experians failure to conduct a complete reinvestigation. Experian has not responded to that CFPB complaint to date, which is a violation of the CFPBs required response window and an additional indicator that Experian is not fulfilling its legal obligations. 

In addition, Experian has : Ignored multiple requests to correct personal information Ignored the request for a method of verification as required under FCRA 611 ( a ) ( 7 ) Continued reporting inaccurate identifiers, despite receiving proper documentation Ignored disputed inquiries, despite providing evidence that one inquiry was removedindicating the others can be reinvestigated but were not Experians failure to respond to my prior CFPB complaint, and their refusal to conduct a full reinvestigation, constitute willful noncompliance under FCRA 616, and negligent noncompliance under 617.

This repeated pattern of partial investigations, failure to address specific disputed items, ignoring federally mandated deadlines, and providing inconsistent responses demonstrates systemic disregard for FCRA obligations.

I request the CFPBs assistance in requiring Experian to : Conduct a complete reinvestigation of all disputed items ( names, addresses, and hard inquiries ).

Remove all unverifiable personal information as required under 611 ( a ) ( 5 ).

Provide a complete and transparent method of verification under 611 ( a ) ( 7 ).

Correct all inaccuracies and remove any item that can not be independently verified.

Explain in writing why the first CFPB complaint has gone unanswered. 

I am attaching copies of : My original XXXX dispute letter Experians incomplete/insufficient reinvestigation results Proof of ID and address Certified mail receipts The first CFPB complaint confirmation ( showing no resolution or response ) I am requesting immediate CFPB intervention, as Experians conduct has delayed the correction of my file for over 60 days and violated multiple sections of 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