Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am filing this complaint due to ongoing and unlawful actions by Experian in relation to multiple credit reporting disputes I have submitted over the past several months. 

For three consecutive months, I have been contacting Experian to dispute inaccurate and unverifiable information on my credit report. Rather than initiating an investigation as required by law, Experian repeatedly sent me stall lettersform letters that do not address the specifics of my dispute and appear to be designed solely to delay or discourage me from asserting my rights. 

After persistent follow-up, I finally received notice that Experian had verified the accounts I disputed. However, they failed to provide the description of the procedure used to determine the accuracy and completeness of the information, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). This section clearly states that when a dispute is deemed frivolous or when a reinvestigation is completed, the consumer must be provided with a description of the procedure used in the investigation if they request itwhich I did. 

Instead of complying, Experian responded yet again with a stall letter, further delaying the process and avoiding accountability. This not only shows a lack of due diligence in properly investigating the disputed items, but also demonstrates a willful pattern of ignoring consumer rights. 

Furthermore, Experian is in violation of the following FCRA provisions : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires that the credit reporting agency conduct a reasonable reinvestigation within XXXX days of receiving a dispute. 

15 U.S. Code 1681i ( a ) ( 2 ) ( A ) : Requires the CRA to promptly notify the furnisher of the disputed information. 

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Requires deletion or modification of information found to be inaccurate or unverifiable after a reinvestigation. 

15 U.S. Code 1681i ( a ) ( 6 ) : Requires written results of the investigation to be sent to the consumer, including the method used to verify the accuracy of the disputed information. 

Experian has willfully failed to uphold its legal obligations under the FCRA. I believe they are deliberately using delay tactics to avoid resolving my dispute and correcting the inaccurate information on my credit report. This ongoing behavior has caused serious harm to my financial well-being, including preventing me from moving forward with major life decisions and opportunities. 

Relief Requested : I am requesting that the accounts I disputed with Experian be immediately deleted from my credit report due to Experians failure to properly investigate and verify them as required by law. I also request the CFPB to conduct a formal investigation into Experians dispute handling practices, as I am not the only consumer likely being affected by these unlawful and unethical tactics.

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