Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experians Willful Violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to Provide Method of Verification ( MOV ) Complaint Summary : Experian has willfully and repeatedly failed to comply with its statutory duty under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), by refusing to provide the method of verification after the completion of a reinvestigation I initiated. 

After disputing one or more inaccurate tradelines, Experian responded with a perfunctory verified as accurate determination without disclosing how the verification was conducted, who was contacted, or by what method. I formally and timely requested the MOV as permitted by law, and Experian either ignored this request or provided a vague non-answer that fails to satisfy the statutes requirements. 



Violations Cited : 1. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If requested by the consumer, the consumer reporting agency shall provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes any information contained in their file.

3. 15 U.S.C. 1681n & 1681o : These sections allow for civil liability and damages when a CRA willfully or negligently fails to comply with the FCRA. 



My Request : I want the CFPB to compel Experian to provide the full method of verification, including : The procedure used to verify the disputed item ( XXXX ), The name, address, and phone number of the furnisher contacted, The date the furnisher was contacted, And any documentation relied upon. 
I also demand the CFPB to investigate whether Experian has a pattern of denying consumers access to this legally required information, as it appears to be part of a willful and systemic abuse of the dispute process. 

Intent to Sue : If Experian continues to withhold the method of verification in defiance of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I intend to file a lawsuit under the FCRA for statutory damages, actual damages, punitive damages, and attorneys fees. Their refusal to comply with federal law is not a clerical error ; it is a calculated obstruction of my rights. 



Relief Requested : 1. Full MOV documentation as required by law.

2. Deletion of the disputed item ( s ) if MOV can not be produced.

3. Civil and/or regulatory enforcement action against Experian for FCRA noncompliance.

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