Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
FCRA Violations & 5-Day Response Deadline Dear Experian, This is my final demand for Experian to provide proper verification for disputed items on my credit report. I have previously submitted disputes regarding inaccurate information, and Experian has repeatedly claimed that the information was " verified '' without providing any proof of how this verification was conducted.

Under 15 U.S.C. 1681i ( FCRA Section 611 ), Experian is required to conduct a reasonable reinvestigation and provide clear documentation showing how disputed information was verified. However, Experian has failed to meet this legal obligation and continues to parrot information from furnishers without independent verification.

Furthermore, on XX/XX/XXXX, Experian was sued for failing to properly investigate consumer disputes and blindly accepting furnishers data without ensuring accuracy. If Experian had conducted a legitimate investigation into my dispute, it would have found that the following information is inaccurate and must be corrected or removed immediately : 1. IMMEDIATE DEMAND FOR INVESTIGATION DETAILS & DOCUMENTATION Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding that Experian provide the following within 5 days : The full name, job title, and contact information of each person Experian spoke with to verify the disputed accounts.

A detailed explanation of the methods used to verify the accuracy of the disputed information, including whether Experian independently reviewed original records.

Copies of all documents, records, and communications used to verify the disputed information.

The specific furnisher ( s ) that provided the information and their responses to the reinvestigation request.

If Experian fails to provide this information within 5 days, this will constitute a willful violation of the FCRA, and I will take immediate legal action.

2. REMOVE ALL INCORRECT PERSONAL INFORMATION IMMEDIATELY : Names : Delete all names other than XXXX XXXX ( Any additional names are erroneous and must be removed ). 
Addresses : Remove all addresses except XXXX XXXX XXXX XXXX XXXX, NC XXXX. Specifically, remove " XXXX XXXX XXXX XXXX XXXX, NC XXXX '', as I have never lived at this address, and it is inaccurately associated with my credit file. 
3. REMOVE OR VERIFY THE FOLLOWING INACCURATE ACCOUNTS WITH PROOF : A. XXXX XXXX  Account # XXXX Experian continues to claim this account has been " verified '' but has failed to provide any actual evidence of how it was verified.

I demand a detailed breakdown of how this verification was conducted, including the name of the furnisher, the documents reviewed, and who at XXXX XXXX confirmed this information.

If Experian can not provide concrete proof of verification, this account must be deleted immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX Account # XXXX  Experian claims this account has been " verified '' for late payments in XX/XX/XXXX and XX/XX/XXXX, yet no documentation has been provided to confirm these missed payments.

Additionally, there is missing data for XX/XX/XXXX, further proving inaccuracies in Experians records.

If Experian can not provide payment records proving these payments were actually late, this account must be corrected or removed entirely. Stop lien and saying account was updated

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