Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Subject : Complaint Against Experian for FCRA Violations and Failure to Conduct Proper Reinvestigation To Whom It May Concern, I am filing this formal complaint against Experian XXXX XXXX, XXXX, for failing to conduct a proper investigation in response to a direct dispute I submitted via their online portal on or around XX/XX/year>, regarding a XXXXXXXX XXXX XXXX  XXXX XXXX account ending in XXXX. 

Despite my dispute containing multiple, clearly documented violations of the Fair Credit Reporting Act ( FCRA ), Experian closed the dispute and marked the account as verified within 7 days, without conducting a reasonable or lawful reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ).

Summary of Violations Ignored by Experian : Improper Charge-Off Reporting with an Active Balance The account is reported as charged off while still reflecting a balance of {$1800.00}. If it is truly charged off, the balance should not remain unless accompanied by proper explanation. This is misleading and inaccurate in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Failure to Provide 1099-C Documentation I requested a 1099-C form from XXXX XXXX USA to confirm the cancellation of debt. No such document has been provided, raising serious questions about the accounts status and compliance with federal tax law. 

No Proof of Permissible Purpose I requested validation of XXXX XXXX XXXXXXXX right to continue reporting the account under 15 U.S.C. 1681b. This documentation was never produced.

Failure to Conduct a Reasonable Investigation Experian ignored all of the above issues and simply updated the tradeline with no substantive change or explanation. This blanket update issued just 7 days after submission demonstrates that Experian failed to investigate the merits of my dispute as required under FCRA. 

Additional Concern : Misrepresentation of Dispute Submission I made it explicitly clear in my letter that I, the consumer, submitted this dispute personally. Experian has previously suggested that some disputes are submitted by third parties, which they then use to invalidate the process. Any such inference here would be false and a stall tactic that further violates the FCRA. 

Relief Requested : Immediate deletion of the inaccurate XXXX XXXX XXXX XXXX XXXXXXXX account from my Experian credit file. 

Full disclosure of the investigation procedure who verified the account, how, and what documentation was reviewed. 

Formal investigation by the CFPB into Experians dispute-handling procedures. 

Appropriate penalties and enforcement action for willful violations under FCRA 1681n and 1681o. 

XXXX actions reflect a systemic failure to meet its obligations under the law and undermine consumer trust in the dispute process. I respectfully urge the CFPB to hold them accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation