Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian, XXXX, and XXXX  have repeatedly failed to properly investigate multiple disputed accounts on my credit reports and are continuing to report derogatory information that has not been verified with any real evidence. 

Over the past several months I have disputed numerous negative tradelines ( including collections, charge-offs, and other derogatory items ) with each bureau. In my disputes I clearly stated that the information was inaccurate/ not mine / unverifiable and I requested a proper investigation and a detailed Method of Verification. 

Instead of performing a reasonable reinvestigation, the credit bureaus responded with automated verified or updated results without addressing my specific dispute, without providing any documents that prove I am responsible for these debts, and without sending a proper Method of Verification as required by the Fair Credit Reporting Act ( FCRA ). 

I believe all three bureaus are relying solely on automated e-OSCAR code responses from furnishers and parroting those responses, instead of independently verifying the accuracy of the information as required by FCRA 15 U.S.C. 1681i and 1681e ( b ). Courts ( such as XXXX XXXX XXXX XXXX ) have made clear that a superficial, automated response is not a reasonable reinvestigation when a consumer provides notice of a dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX I specifically requested a Method of Verification after these investigations, and they did not provide : the detailed procedure used to verify each disputed account, the name, address, and phone number of the furnishers actually contacted, or copies of any contracts, applications, statements, or other documentation tying me to the alleged debts. 

This failure violates FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), which require the bureaus to provide this information upon request.

In addition, Experian has created a separate barrier by refusing to allow me to access or create my online account to submit disputes electronically. I have attempted multiple times and the system will not let me in, even though Experian is actively reporting derogatory information about me. This blocks me from using their primary dispute channel and forces me to rely on mail, while they continue to update and report disputed information. 

Because of these failures : Unverified and inaccurate derogatory accounts remain on my reports. 

My credit scores have been severely damaged. 

I have been placed at risk for credit denials, worse terms, and higher interest rates. 

I have spent significant time, energy, and money trying to correct information that the bureaus are legally obligated to investigate and fix. 

I have experienced emotional distress from having my rights ignored. 

I am not asking the bureaus to update unverified data. I am asking them to follow the law : Conduct a manual, good-faith reinvestigation of each disputed derogatory accountgoing beyond automated e-OSCAR codes and requiring furnishers to produce real documentation ( contracts, applications, account records ) that proves I am legally responsible and that the reporting is accurate and complete. 

For any account where the furnisher can not provide proper documentation or where there are inconsistencies between bureaus, treat the information as unverifiable and permanently delete it from my credit file in accordance with FCRA 1681i ( a ) ( 5 ).

Provide me with a written Method of Verification for each disputed item that includes : the procedure used, the name, address, and phone number of the furnisher ( s ), and what specific documents they relied on. 

Require Experian to fix its online access issue so I can view my file and submit disputes without being blocked, and confirm that my mailed disputes are handled with the same seriousness and timelines as online disputes.

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