Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IMPORTANT CLARIFICATION : This is a NEW CFPB complaint. It is NOT a duplicate, NOT an identity theft claim, and NOT a fraud allegation. The account at issue belongs to me. This complaint addresses Experians procedural obstruction, constructive non-disclosure, and failure to conduct a lawful reinvestigation, which independently requires deletion of the XXXX tradeline. 

1. Withholding of Dispute Results ( Constructive Non-Disclosure ) Experian recently concluded a reinvestigation of my XXXX tradeline. However, Experian did not mail the dispute results, did not make the results available online, and instead conditioned access only on a consumer-initiated phone call. I refuse to call because verbal-only disclosure eliminates documentation, prevents regulatory review, and deprives me of due process. 
This conduct constitutes constructive denial of disclosure under FCRA 1681i ( a ) ( 6 ). A result that can not be reviewed, preserved, or submitted to regulators is effectively no disclosure at all.

2. Procedural Obstruction and Intentional Friction By blocking written and electronic disclosure and forcing verbal-only access, Experian imposed
artificial procedural friction designed to discourage escalation, eliminate audit trails, and avoid external review. This is not a neutral process and represents deliberate obstruction.

3. Failure of Reasonable Reinvestigation ( FCRA 1681i ) Experian has failed to demonstrate that a reasonable reinvestigation occurred because it has not provided written results, has not disclosed verification methods, has not identified documents reviewed, and has not reconciled material inaccuracies raised in my dispute. A reinvestigation that can not be documented fails by definition.

4. Substantive Inaccuracies XXXX XXXX Independently of the procedural violations, the XXXX tradeline contains material inaccuracies, including but not limited to incorrect product classification, misleading account status and balance, and reporting inconsistent with repossession and sale. Another consumer reporting agency previously deleted this same tradeline due to inability to verify, demonstrating that the data is not reliably verifiable. 

5. Mandatory Deletion Required ( Not Update ) Because Experian failed to lawfully disclose dispute results, failed to conduct a documented reinvestigation, and continues reporting materially disputed data without verified accuracy, deletion is the only lawful remedy. An update under these circumstances would perpetuate unverified and procedurally defective reporting.

6. Bad-Faith Presumption When a consumer reporting agency withholds written results, avoids electronic disclosure, and forces verbal-only access, a presumption of bad faith attaches to the reinvestigation process. Experians conduct indicates awareness that the XXXX tradeline can not withstand documented scrutiny. 

7. Harm Caused Experians actions have caused ongoing credit score suppression, credit denials, increased borrowing costs, financial instability, and severe emotional and psychological distress. The harm is ongoing because Experian continues to report the tradeline without lawful verification.

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