Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I, XXXX XXXX, hereby submit this escalated formal complaint specifically against Experian for its continued willful noncompliance with federal consumer protection laws, notably under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite XXXX and XXXX correctly responding to my initial complaint by removing fraudulent accounts, Experian has deliberately ignored federal statutes, resulting in significant personal and financial harm. 

Experian Violations : Unlawful Reinsertion of Previously Deleted Information : Experian violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by unlawfully reinserting previously deleted accounts ( XXXX Account # XXXX and XXXX XXXX XXXX and XXXX  Account # XXXX ) without providing required notice or proper validation documentation. 

Failure to Provide Validation and Verification : Experian breached its obligations under 15 U.S.C. 1692g ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) by refusing to provide verification documentation, including original contracts, signatures, and related details as explicitly requested in my certified dispute letter dated XX/XX/year>. 

Failure to Investigate Disputes Timely and Adequately : Experian further violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a timely investigation within the mandated 30-day period. More than 15 days have elapsed without any response, acknowledgment, or investigation results.

Inaccuracy and Lack of Due Diligence : Experian consistently fails to ensure maximum possible accuracy of my credit information as required by 15 U.S.C. 1681e ( b ), thereby severely impacting my creditworthiness and causing undue distress.

Supporting CFPB Precedents : Experian 's current practices mirror precisely the misconduct cited by the CFPB 's active lawsuit filed on XX/XX/year>, where Experian has repeatedly failed consumers by improperly investigating disputes and allowing erroneous reinsertion of previously deleted information. 

Resolution Demands : Immediate Removal and Permanent Blockage : Experian must immediately delete and permanently block fraudulent accounts and unauthorized inquiries from my credit file, specifically preventing future unauthorized reinsertions as mandated under 15 U.S.C. 1692g ( b ).

Provision of Detailed Verification : Experian is required to deliver written documentation validating all disputed accounts, including contracts, signatures, account history, and authorization proof, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ).

Immediate Investigation and Reporting : Conduct an expedited, thorough investigation into how these fraudulent accounts and unauthorized inquiries were initially and repeatedly placed on my credit report. Provide comprehensive written findings of this investigation.

Implementation of Identity Theft Protection Measures : Experian must immediately establish fraud alerts and offer comprehensive identity theft resources as required by 15 U.S.C. 1681g ( e ).

Conclusion : Experian 's persistent and willful disregard for federal regulations necessitates urgent enforcement actions from the CFPB. Given the CFPB 's established stance and active litigation against Experian for identical violations, I respectfully urge immediate and decisive enforcement to compel compliance, restore accuracy to my credit file, and secure appropriate legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Your prompt action is crucial to rectify these violations, prevent further harm, and ensure Experian 's full compliance with federal consumer protection laws. 

Respectfully, 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