Consumer complaint received 2025-11-26 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 has failed to validate or verify ANY of the disputed accounts listed above, despite me sending XXXX separate dispute rounds over a XXXX period. These disputes were sent directly to Experian on the following dates : XX/XX/XXXX XXXX  round XX/XX/XXXX XXXX  round XX/XX/XXXX XXXX  round XX/XX/XXXX XXXX  round It is now well beyond XXXX  days, and Experian has not provided a single piece of documentation supporting the accuracy of ANY of these accounts no contracts, no statements, no payment histories, no itemized balances, no DOFD documentation, no charge-off validation, nothing. 
Instead, Experian continues to update and furnish these accounts as verified, despite providing XXXX written evidence that any investigation was performed. 
XXXX responses use stall language, automated templates, and canned results without complying with the FCRAs requirements for a reasonable investigation. 
I am not working with a third party, and Experians assumption that I am is false, inappropriate, and used as a delay tactic to avoid proper reinvestigation. 


Experian is in violation of several FCRA provisions, including : XXXX. FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation of disputed information. 
XXXX. FCRA 611 ( a ) ( 2 ) ( B ) Failure to provide the documentation relied upon in determining that disputed information is accurate. 
XXXX. FCRA 602 ( A ) Failure to assure maximum possible accuracy. 
XXXX. FCRA 623 ( b ) Accepting and reporting unverified information from furnishers without reviewing documentation. 
XXXX. FCRA 609 ( a ) ( 1 ) Failure to provide all information in my file related to the dispute. 
XXXX. FCRA Reinsertion Rule ( 611 ( a ) ( 5 ) ( B ) ) Experian continues reporting items that were never validated and should be removed, not reinserted. 

I am also fully aware that Experian has : Been named repeatedly in lawsuits for inaccurate reporting Been sued for failing to conduct proper reinvestigations Been included in multiple class actions related to failure to correct disputed information Been involved in data breaches putting consumer information at risk Been cited for not following Metro-2 standards in investigations and updates This is consistent with what I am experiencing Experian is not investigating my disputes.

Metro-2 standards require that when an item is disputed, Experian must : Suspend reporting until verification is obtained Obtain documentation from the data furnisher Validate actual account-level data, not estimates Ensure consistency in XXXX, status codes, payment history, and account type Experian has failed to provide Metro-2 required documentation for ANY of these accounts. 
For Late Payments ( XXXXXXXX XXXX XXXX  ) To verify a late payment, Experian must have : Original creditor contract Payment history Exact date payment was due Exact date payment posted Late-payment classification rules per contract Experian provided none of this. 
For Charge-Offs ( XXXX, XXXXXXXX XXXX XXXX ) To verify a charge-off, Experian must have : Original agreement XXXX  ( Date of First Delinquency ) Complete itemized accounting Proof of charge-off calculation Chain of title showing ownership Correct status code Metro-2 compliant narrative and compliance condition codes Experian provided none of this. 
FDCPA-Related Failures ( Furnisher Accuracy Obligations ) Although Experian is a CRA and not a collector, the FDCPA standards apply to information coming from furnishers. Reporting inaccurate or unverified charge-offs and late payments is a violation of : FDCPA 1692e ( 2 ) ( A ) Misrepresentation of character, amount, or status 1692e ( 8 ) Reporting information known to be false 1692f Unfair practices 1692g ( b ) Continuing collection-related reporting without validation Experian is continuing to furnish credit-damaging derogatories without ANY validation.

Experians claim that I may be using a XXXX  party is false and used as a tactic to avoid reinvestigation. 
This accusation is not supported by law and does not allow Experian to ignore my disputes.

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