Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Dear CFPB, This is a formal follow-up regarding my complaint against Experian and their handling of the disputed account with XXXX XXXX XXXX  ( Account # XXXX ). 

Experians response The account has not been changed and will remain on your credit report fails to address any of the substantive violations outlined in my original complaint. I am bringing the following issues to your continued attention : 1. No Proof of a Reasonable Investigation FCRA 1681i ( a ) ( 1 ) ( A ) Violation Experian has not demonstrated that it conducted a reasonable reinvestigation, as required by the Fair Credit Reporting Act. Their response contains no explanation, no evidence, no documentation, and no record of communication with the furnisher.

Instead, Experian relies on a conclusory statement that the account was verified a practice the CFPB has already sued them for in CFPB v. Experian.

Furthermore, Experians responses have been delivered exclusively through their internal dispute portal and email. This lack of transparency and documentation makes it impossible for me as a consumer to verify that any actual investigation took place.

2. Failure to Provide Method of Verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Violation Under this provision, Experian is legally obligated to provide me with the method of verification, including : The name and contact information of the furnisher, The documents used to verify the disputed information, Any internal or external communications that support their decision.

Experian has provided none of this. Their failure to do so is a direct violation of the FCRA.

3. Metro 2 Reporting Violation Charge-Off Not Marked as Closed Experian is reporting the account as a Charge-Off ( CO ) but has failed to mark it as Closed ( CLS ) a clear deviation from Metro 2 standards. If an account is charged off, it must also be reported as closed. Failure to do so misrepresents the nature of the debt and inflates my outstanding obligations.

4. Failure to Provide Proof of Notice Before Negative Reporting FCRA 1681s-2 ( a ) ( 7 ) Under this law, furnishers must send a separate, written notice to the consumer before reporting negative information to a credit bureau . This notice : Can not be part of the original contract or terms and conditions, Must be sent before the first negative entry, Must be verifiable via delivery confirmation ( e.g., green card return receipt or tracking information ).

Experian can not lawfully rely on the we dont possess that notice excuse. If Experian is reporting the data, they are obligated to ensure that the data furnished complies with FCRA requirements.

If the furnisher can not produce proof that the required pre-reporting notice was sent and received, then the negative reporting is unlawful and must be removed.

5. Formal Warning : Legal Action Pending If Experian continues to : Ignore federal law, Refuse to provide the required documentation and method of verification, Refuse to validate Metro 2 compliance, and Refuse to remove unverifiable, inaccurately reported negative data, I will pursue legal action under the FCRA, including statutory damages, punitive damages, and attorneys fees. 
I thank you for your attention and urge you to take appropriate regulatory action to prevent further harm to consumers.

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