Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Experian Issued a Misleading Reinvestigation Statement Refusing to Verify or Remove Unvalidated Debt Company Complained About : Experian Complaint Details : I am filing this complaint because Experian continues to report a collection account from XXXX XXXX XXXX ( XXXX ) despite my repeated disputes and requests for verification under the Fair Credit Reporting Act ( FCRA ), specifically 1681i.

I have disputed this account with Experian three separate times. Each time, Experian has failed to perform a meaningful investigation and has instead returned generic responses that do not address my specific dispute. 

Most recently, Experian responded with the following vague and evasive language : " Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes... we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us ... and instructed them to : review all information we provide... verify the accuracy of the information ... and update their records ... '' This response does not state whether the debt was verified, does not explain what documents were reviewed, and gives no indication that any of the core issues in my dispute were addressed. It is a generic, copy-paste statement designed to appear compliant, but in reality it is an attempt to close the dispute without real investigation. 

Experian has failed to provide : - A copy of the original signed agreement establishing the alleged debt - Proof that XXXX XXXX XXXX has legal ownership or authority to report the debt - Any documentation that verifies the accuracy or completeness of the balance being reported I am attaching a copy of my most recent dispute letter, which clearly requested this information. 

Under FCRA 1681i ( a ), Experian has a legal obligation to perform a reasonable reinvestigation of any disputed information. Simply contacting the furnisher and accepting their word especially without requiring supporting documentation is not a reasonable investigation under federal law. 

Their continued failure to remove this unverifiable collection account is causing me ongoing financial harm, emotional distress, and loss of credit opportunities. Experian is not acting in good faith, and their responses show a pattern of evasion, not investigation. 



Requested Resolution : XXXX. Require Experian to immediately delete the XXXX XXXX XXXX tradeline from my credit report due to failure to properly verify its accuracy and legality. 
XXXX. Investigate whether Experians reinvestigation practices are compliant with the FCRA when a consumer provides specific documentation and demands meaningful review.

3. Hold Experian accountable for issuing misleading responses and continuing to report potentially false and damaging information after multiple disputes.

I am attaching my dispute letter and Experians recent response. I respectfully request that this matter be escalated for formal review. 
Sincerely, XXXX 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