Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
Subject : Complaint Regarding Improper Credit Reporting and Verification Failures for XXXX XXXX XXXX I am filing this complaint against Experian, XXXX, and XXXX for failing to ensure accurate reporting and proper verification of information regarding the XXXX XXXX XXXX account XXXX Account XXXX : XXXX ). 

Details of the Complaint : Since XX/XX/year>, I have consistently disputed the accuracy and legitimacy of the XXXX XXXX XXXX  account with Experian, XXXX, and XXXX. Despite submitting multiple disputes outlining my concerns and requesting a thorough review, the credit bureaus continue to update the account status as verified without offering any explanation or tangible proof of how they arrived at this conclusion. I have asked for documentation, records, or any evidence that demonstrates the accounts validity and the investigation process they claim to have conducted. However, no such evidence has been provided, leaving me with no clarity on how the credit bureaus or the furnisher verified the information. To date, none of this information has been provided. The lack of evidence and proper investigation constitutes a failure to comply with federal law and causes ongoing harm to my credit profile. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) : The credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. By merely marking the account as verified without performing a proper investigation, they are in violation of this provision. 

2. Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) : Under the FCRA, consumers have the right to request details on how disputed information was verified. Despite my repeated requests, the credit bureaus have not provided this information. 

3.Reporting Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ) : XXXX XXXX XXXX , as the furnisher of information, has a legal obligation to report only accurate and complete information. If they can not provide evidence of the accounts accuracy, they are in violation of this provision. 


4. Failure to Notify Consumer of Reinvestigation Results ( FCRA 611 ( a ) ( 6 ) ) : After a reinvestigation, the credit bureaus must notify the consumer of their findings and provide the results of the investigation. This has not been done in compliance with the law. 

The inaccurate and unverifiable reporting of this account has caused significant harm to my credit score, restricting my access to financial opportunities and resulting in undue stress. Additionally, the failure of the credit bureaus to conduct proper investigations undermines consumer trust and the integrity of the credit reporting system.

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