Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Experian Violated FCRA 604, 609, 611 & 623 Ignored Cease-and-Desist, Exceeded 30-Day Limit, and Failed to Delete Unverified Inquiries Within 4 Business Days ( Ref # XXXX ) This is a follow-up to my CFPB complaint # XXXX against Experian concerning multiple unauthorized hard inquiries on my Experian credit report Experians final response, dated XX/XX/XXXX, arrived nearly 60 days after the initial CFPB submission on XX/XX/XXXX, XXXX beyond the 30-day statutory deadline required by FCRA 611 ( a ) ( 1 ) ( A ). 

Experians response was a generic form letter that failed to provide any verification documents, permissible-purpose certification, or signed authorization as required under 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ).

Simply stating that inquiries must remain on file for two years is not a legal justification for continuing to report unverified information. 

The following inquiries remain unverified, unauthorized, and harmful to my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations 1681b ( f ) Experian continued to furnish consumer data without a certified permissible purpose.

609 ( a ) ( 1 ) No disclosure of original documentation or source of authorization.

611 ( a ) ( 1 ) ( A ) Investigation exceeded the 30XXXXday statutory limit.

611 ( a ) ( 5 ) ( A ) Experian failed to delete unverifiable inquiries within four ( 4 ) business days once verification failed.

623 ( a ) ( 3 ) Experian failed to mark the inquiries as disputed while reinvestigation was pending.

FDCPA 1692c ( c ) Experian ignored my Cease-and-Desist notice and continued to furnish the disputed inquiries to third parties during investigation. 


This conduct demonstrates willful and negligent non-compliance with FCRA 616617, resulting in ongoing harm to my credit standing and emotional distress due to XXXX refusal to follow federal timelines and verification procedures. 

Cease-and-Desist Order Effective immediately, Experian is directed to cease and desist from : Reporting, publishing, or distributing any disputed or unverifiable inquiries ; and Furnishing any of my consumer data related to these unauthorized inquiries to third-party entities. 


Continued publication of unverified data after receiving this notice constitutes willful non-compliance with FCRA 623 ( a ) ( 3 ) and FDCPA 1692c ( c ) and may be subject to additional damages. 

Requesting Immediate deletion of all unauthorized and unverified inquiries from my Experian report within four ( 4 ) business days, per FCRA 611 ( a ) ( 5 ) ( A ).

Written confirmation of deletion and a permanent cease of all related negative reporting or third-party furnishing. 


Documentation of the method of verification, including the name, title, and department of the verifier for each inquiry. 


Acknowledgment that Experian exceeded the XXXX limit and ignored the cease-and-desist order. 


Enforcement action by the CFPB and referral to the FTC for systemic FCRA violations. 


Consideration of statutory damages under XXXX for Experians willful and negligent non-compliance. 


Experians failure to verify, delete, or comply within the legally mandated timeframes demands immediate CFPB enforcement. Unverified information must be deleted within 4 business days once verification failsExperian is now in clear violation of this requirement.

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