Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes regarding inaccurate information on my credit report, Experian has failed to conduct a reasonable reinvestigation, failed to provide proper verification details, and continued reporting unverifiable and incorrect information. 

On XX/XX/XXXX, the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes and merely parroting information provided by furnishers without independent verification. The violations outlined in that lawsuit mirror my own experience with Experian, making it clear that they have not changed their unlawful practices.

I request the CFPB to investigate Experian 's continued violations of the FCRA and take immediate enforcement action to ensure compliance with federal law.

1. Experian 's Violations of the Fair Credit Reporting Act ( FCRA ) A. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) I submitted disputes requesting a proper reinvestigation of the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian reports late payments for XX/XX/XXXX and XX/XX/XXXX, but has not provided any documentation proving these payments were missed. 
There is missing data for XX/XX/XXXX, indicating incomplete and inaccurate reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Experian continues to report this account as verified but has failed to provide any proof of how it was verified. 
Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted from my credit file.

Despite these disputes, Experian has provided no evidence that they conducted a meaningful reinvestigation, which is a direct violation of the FCRA. 

B. Failure to Provide Required Verification Details ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Experian has refused to provide verification details as required by law, including : The name, address, and phone number of the furnisher ( s ) who verified my disputed accounts. 
A description of the reinvestigation process, including what records were reviewed. 
Copies of any documents used to verify the disputed information. 
Without this information, there is no evidence that Experian conducted a legitimate reinvestigation rather than simply accepting the furnishers ' claims without verification. 

C. Failure to Remove Incorrect Personal Information ( 15 U.S.C. 1681e ( b ) ) Despite multiple disputes, Experian has failed to remove : Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address. 
Incorrect name variations : My correct legal name is XXXXXXXX XXXXXXXX, yet my report still contains variations such as " XXXX XXXX. '' Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in consumer reports, which Experian has failed to do. 

XXXX. XXXX XX/XX/XXXX Lawsuit Against Experian Pattern of Violations The CFPB has already taken legal action against Experian for failing to properly investigate consumer disputes and blindly accepting furnishers information without conducting independent verification. 

My experience directly aligns with the allegations in that lawsuit, proving that : Experian is still engaging in the same unlawful practices. 
They are knowingly violating the FCRA, which is harming consumers. 
They continue to mislead consumers by falsely claiming accounts were " verified '' without providing proof. 
Given that Experian has already been sued for these same violations, I request immediate CFPB intervention to hold them accountable and force compliance with 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