Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) arising from its failure to conduct a lawful and reasonable reinvestigation of disputed credit information reported by XXXX XXXX XXXX. 

I disputed inaccurate, incomplete, and unverifiable information related to a XXXX XXXX account appearing on my Experian credit report. I provided documentation supporting my dispute, including proof of identity, evidence of balance discrepancies, and copies of responses from XXXX XXXX demonstrating its failure to conduct a proper investigation. 

Experian responded by stating that the account remains because the company that reported the information has certified to Experian that the information is accurate. Experian did not provide any investigation details, underlying documentation, payment history from account inception, or explanation demonstrating how the information was verified. 

Reliance on a furnishers certification alone does not constitute a reasonable reinvestigation under 15 U.S.C. 1681i. Credit reporting agencies are prohibited from merely accepting a furnishers word in place of conducting an independent and lawful investigation. This is especially true where, as here, the furnisher previously labeled the dispute as frivolous and failed to conduct a proper investigation itself.

Additionally, Experian failed to reconcile documented balance discrepancies reflected in Credit Acceptances own records, including conflicting balances reported in account correspondence and repossession-related documents. Neither Experian nor XXXX XXXX explained how the alleged balance was calculated or provided a complete and verifiable payment history. 

Because Experian relied solely on the furnishers certification and did not independently verify the accuracy or completeness of the information, the disputed account is unverifiable under the Fair Credit Reporting Act. Information that can not be verified through a lawful reinvestigation must be deleted. Correction or continued reporting is not permitted in these circumstances.

Experians conduct constitutes violations of, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 3 ) Improper reliance on a frivolous or unsupported furnisher response I am requesting that the Consumer Financial Protection Bureau require Experian to : XXXX. Permanently delete the XXXX XXXX account from my Experian credit report ; 2. Cease reporting any information related to this unverifiable account ; 3. Provide written confirmation of deletion ; and 4. Ensure compliance with the Fair Credit Reporting Act going forward. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, Michigan

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