Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX : XX/XX/XXXX Complainant : XXXX XXXX. XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Subject : XXXX XXXX XXXX Experian Information Solutions , Inc. & Equifax Information Services LLC Violations : FCRA 604 ( a ), 611 ( a ), 623 ( a ) ( 7 ), 1681e ( b ), 1681s-2 ( a ) ( 3 ), 1681i ( a ) ( 1 ) To Whom It May Concern, I am submitting this formal complaint and pre-litigation filing against both Experian Information Solutions , Inc. and Equifax Information Services LLC for systemic and willful violations of the Fair Credit Reporting Act ( FCRA ). These companies have fabricated dispute results, refused to remove unverifiable and fraudulent accounts, and failed to comply with mandatory notice and reinvestigation procedures, which has caused serious and ongoing harm to my creditworthiness. 



1. Experian Fabricated Dispute Results & Deceptive Practices Experian has engaged in repeated misconduct, including : Fabricated dispute results : Experian falsely marked items as verified and updated despite submitting legal notices, fraud documentation, contract rescissions, and FTC identity theft reports. 
Accounts that remain unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX False deletion of non-existent inquiries : Experian claimed it deleted multiple XXXX XXXX and XXXX inquiries that were never present on my filea clear violation of FCRA 1681i ( a ) ( 6 ) and proof of fabricated results.

Exhibits AE submitted show Experians internal logs confirming these false dispute completions with no corrective action taken.

2. Equifax Pattern of Sham Investigations Equifax has been equally deceptive in its handling of my disputes : Disputes were marked Under Investigation and closed within 24 days ( see Exhibits FH ), far below the industry standard for proper reinvestigation. 
XXXX disputes filed since XXXX XXXX rapidly closed without any account correction or explanation. 
Examples of dispute confirmation numbers closed in XXXX business days include : # XXXX ( Submitted XX/XX/XXXX Closed XX/XX/XXXX ) # XXXX ( Submitted XX/XX/XXXX Closed XX/XX/XXXX ) # XXXX ( Submitted XX/XX/XXXX Closed XX/XX/XXXX ) These short and superficial timelines suggest that no real reinvestigation occurredin violation of FCRA 611 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ).

3. Failure to Remove Fraudulent & Unverifiable Accounts Both Experian and Equifax continue to report the following accounts despite : Contract rescission notices, Identity theft affidavits, FTC reports, Notices of unauthorized or fraudulent debt, Clear documentation of misrepresentation and lack of permissible purpose : Accounts in Violation : XXXX XXXX ( # XXXX, # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These accounts are being reported with incorrect balances, false payment history sequences ( e.g., XXXX days late ), and unverifiable dataviolating FCRA XXXX ( b ) and XXXX ( a ). 



XXXX. $ XXXX in Federal Liability FCRA 1681n & 1681o I now estimate total federal damages in excess of {$400000.00}, based on : {$1000.00} per month, per account under 1681n for willful violations, Unlawful retention and misreporting of Affirm and Truist accounts for 12+ months, Multiple violations across different sections of the FCRA, Actual damages incurred due to lost credit opportunities and increased interest rates.

5. Back Office Misconduct & Legal Exposure These actions are not isolated. They represent deliberate bad-faith policies by Experian and Equifaxs back office dispute teams, which are now facing multiple CFPB lawsuits for similar sham investigations and FCRA violations .

I reserve my right to hold individual supervisors, agents, and processors personally liable under 15 U.S.C. 1681n and 1681o for willful, knowing noncompliance.

Requested Relief 1. Immediate deletion of all fraudulent and unverifiable accounts across Experian and Equifax.

2. Written confirmation of deletions and all actions taken to comply with this complaint.

3. CFPB investigation into both companies internal dispute departments and coordination with the Department of Justice for enforcement.

4. Full audit of all reinvestigations conducted by Experian and Equifax from XX/XX/XXXX to present. 



Closing Statement The attached exhibits prove that Experian fabricated inquiry results and Equifax falsely closed disputes within XXXX hours without verifying anything. These are not clerical mistakesthey are systemic, coordinated, and intended to mislead regulators, harm consumers, and avoid accountability. 

I respectfully request immediate enforcement action. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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