Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CFPB Complaint Draft : UDAAP Violation by Experian Boilerplate Response to FCRA Dispute ( MOV Failure ) Submitted by : XXXX XXXX XXXX Date of Incident : XX/XX/year> Summary of Complaint : I am filing this complaint against Experian for violating the XXXX XXXX XXXX XXXX and Consumer Protection Act through its use of deceptive and unfair practices under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standard, in conjunction with its noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) the Method of Verification ( MOV ) requirement.

Nature of the Violation : Experian continues to provide a boilerplate response to my formal FCRA dispute, as evidenced by the attached screenshot dated XX/XX/year>. This response lacks a specific, itemized breakdown of the method of verification used to confirm the disputed information, and instead repeats generalized language which fails to meet the statutory obligation to disclose how the data was verified. 

Rather than identifying the source, manner, or method used to substantiate the disputed account, Experians response reads as a mass-generated disclaimer. This undermines both the consumers ability to evaluate the verification process and the statutory intent of 1681i ( a ) ( 6 ), which requires a meaningful explanationnot a vague template.

Deceptive Conduct ( UDAAP Element 1 ) : Experians response leads the reasonable consumer to believe that their dispute was thoroughly reviewed and verified through substantive communication with the furnisher. In reality, there is no evidence this occurred beyond template language. This is a deceptive omission, as it creates the appearance of compliance with FCRA while circumventing its substantive protections. 

Unfair Conduct ( UDAAP Element 2 ) : Experians conduct causes significant injury to consumers by preserving inaccurate or unverifiable data on credit reports without due diligence. This injury is not outweighed by any benefit to consumers or competition and could not be reasonably avoided by the consumer, especially when Experian refuses to produce a detailed MOV.

Harm to Protected Class ( Supplemental Note ) : I am an individual on XXXX with a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). My condition requires clarity, predictability, and transparency in administrative processesnone of which Experian has provided. Their opaque and template-based response disproportionately burdens disabled consumers who depend on structured, accurate information to resolve legal and financial matters. 

Relief Requested : XXXX. Require Experian to produce a non-boilerplate MOV disclosing the specific method, agency, person, or database used in verifying the disputed item. 
2. Instruct Experian to cease and desist from using generic MOV templates that mislead consumers and violate FCRA disclosure requirements.

3. Request a formal audit or review of Experians dispute resolution policies as applied to protected individuals under the ADA and Section 504 of the Rehabilitation Act.

4. Consider fines or sanctions against Experian for pattern and practice UDAAP violations when responding to consumer disputes.

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