Consumer complaint received 2025-05-20 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:
Summary : This is a formal supplemental complaint regarding Experians ongoing failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my original CFPB complaint # XXXX. I am providing additional documentation, including a fraud complaint filed with the Federal Trade Commission ( FTC Report # XXXX ), and reiterating that there is no pending or prior litigation involving the issues raised in my dispute. Experian 's assertion of litigation is false and appears to be a deliberate attempt to obstruct a lawful reinvestigation. 

Facts : I submitted multiple written disputes directly to Experian challenging numerous inaccurate, unverifiable, and derogatory entries on my credit report. 

I also filed a CFPB complaint on XXXX XXXX XXXX  ( Ref # XXXX ), and attached full documentation of my disputes and supporting evidence. 

In response, Experian stated that it would not provide further information or conduct a reinvestigation, claiming that the matter " involves litigation. '' This is categorically false. I have never initiated legal action and am not involved in any pending or prior litigation related to these disputes. 

Furthermore, Experian previously attempted to dismiss my dispute by claiming that the dispute appeared to be sent by a third party. This is untrue. I personally submitted all disputes and attached signed statements. 

I filed a formal fraud and consumer protection complaint with the FTC on XXXX XXXX XXXX ( Report # XXXX ), due to Experians repeated obstruction of my FCRA rights. 

Disputed Accounts Include XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX separate tradelines ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts exhibit : Conflicting delinquency dates Inaccurate balances and charge-offs Duplicate entries Metro 2 reporting errors No validation documentation provided in response to dispute Legal Violations : Experian 's conduct violates multiple provisions of the FCRA : 15 U.S.C. 1681i Failure to conduct reasonable reinvestigation within 30 days 15 U.S.C. 1681e ( b ) Failure to report with maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) Furnishers must report accurate information 15 U.S.C. 609 ( a ) ( 1 ) Failure to provide method of verification Relief Requested : I request the CFPB to : Compel Experian to respond to my dispute and FTC report. 

Require verification or deletion of each disputed tradeline. 

Enforce compliance with FCRA requirements for reinvestigation. 

Investigate Experian 's improper use of " litigation involved '' as a means to obstruct consumer disputes. 

Please see attached : Original CFPB dispute documentation FTC Complaint Confirmation ( Report # XXXX ) Dispute letters and exhibits Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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