Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
Subject : Continued Reporting of Inaccurate Information Formal Complaint and Legal Notice of Noncompliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) | In Reference to CFPB v. Experian ( XXXX ) Dear Experian Legal Department, This is my third formal dispute concerning multiple inaccurate and unverifiable accounts and unauthorized inquiries on my Experian credit report. Despite previous dispute letters submitted your agency continues to violate your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, including the specific requirement to provide a method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Your repeated failure to conduct proper reinvestigations, correct reporting errors, and verify disputed information aligns with the same deceptive and unlawful behavior cited in the CFPBs XXXX lawsuit against Experian. The Bureau concluded that Experian systematically failed to investigate disputes and misled consumers about the outcomes. 

Disputed Accounts ( Still Inaccurate or Unverified ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Formal Demand for Verification and Action : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I hereby demand that Experian provide the following within 15 calendar days : A clear method of verification for each disputed account and inquiry. 

A description of the reinvestigation procedure conducted. 

All documentation received from furnishers and third parties used to verify the accuracy of the disputed information. 

If Experian can not provide verification, then under 15 U.S.C. 1681i ( a ) ( 5 ), the items must be immediately deleted from my credit file. 

Legal Consequences of Continued Noncompliance : Should Experian fail to comply with these demands : I will file complaints with the CFPB, FTC, and the New Jersey Attorney General ; I will pursue statutory, actual, and punitive damages for willful and negligent violations under 15 U.S.C. 1681n and 1681o ; I will consider Experians conduct a pattern of willful disregard for federal law, consistent with the findings in CFPB v. Experian. 

You are on notice. Your failure to provide accurate reporting and verifiable information has already resulted in harm. I demand lawful compliance without further delay.

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