Consumer complaint received 2025-04-20 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:
I am filing this complaint against all three major credit bureausExperian, Equifax, and XXXX failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) regarding the verification of disputed accounts on my credit report. 

I have submitted multiple disputes requesting a full investigation and proper verification of various debts reported on my credit file. Under the FCRA, once a dispute is submitted, the credit bureaus are legally required to conduct a reasonable investigation and provide me with : The name and contact information of the furnisher ( the company that reported the debt ) ; A clear explanation of how the item was verified ; Any documentation used to substantiate the accuracy of the account ( XXXX ). 

To date, each credit bureau has simply responded with a statement that the accounts were verified, or no changes were made this will remain on your credit report without supplying any supporting documentation, names of verifying parties, or the method of verification that I requested several times. This is non-compliance with the FCRA and is not a reasonable investigation as required by law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging that the company conducted sham investigations into consumer disputes and failed to properly review the disputes as required by federal law. The CFPBs lawsuit highlights that Experians practices threaten consumers access to credit, employment, and housing due to inaccurate information on credit reports. To date they just responded back to XXXX disputes saying they will remain on my report! I have had identity theft issues in the past and have no idea where any of these collections they are reporting are! 

The law clearly states If, after reinvestigation of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

This means that if Experian, XXXX, or XXXX can not produce actual evidence or documentation verifying the debt belongs to me, they are legally required to remove the item from my credit report. A vague response like verified without furnishing the name of the creditor, method of verification, and proof of the debt does not meet the standard of a proper investigation under federal law. 

By continuing to report debts they can not prove, the credit bureaus are : Violating my rights under the FCRA ; Causing me negative financial and emotional harm ; Exposing themselves to legal and regulatory penalties, including fines and lawsuits.

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