Consumer complaint received 2025-06-09 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: WI

Complaint narrative:
I. INTRODUCTION : EXPERIANS WILLFUL AND EGREGIOUS VIOLATIONS OF CONSUMER RIGHTS I, XXXX XXXX XXXX XXXX XXXX submit this formal and unequivocal complaint against EXPERIAN INFORMATION SOLUTIONS XXXX XXXX XXXX XXXX EXPERIAN '' XXXX, a Consumer Reporting Agency ( " CRA '' ), for its severe, persistent, and unconscionable violations of my fundamental rights under the Fair Credit Reporting Act, XXXX U.S.C. XXXX et seq. ( " FCRA '' ), the Fair Debt Collection Practices Act, XXXX XXXX. XXXX et seq. ( " FDCPA '' ), and applicable Wisconsin state consumer protection statutes, including specifically, but not limited to, XXXX XXXX. Ch. XXXX ( Wisconsin XXXX XXXX - XXXX XXXX ) and XXXX XXXX. Ch. XXXX ( XXXX Practices, XXXX XXXX ). 
XXXX XXXX conduct demonstrates a blatant disregard for its statutory duties, characterized by its egregious failure to conduct proper investigations and reinvestigations, and its unauthorized, automatic updating of disputed accounts with old, unvalidated, or unverified information. This systemic dereliction of duty has directly and XXXX XXXX my creditworthiness, resulting in a significantly XXXX XXXX XXXX  XXXX XXXX, and multiple, prejudicial denials of credit. 

XXXX. BACKGROUND : PERSISTENT FAILURE TO CONDUCT REINVESTIGATIONS AND UNLAWFUL AUTOMATED UPDATING On XX/XX/XXXX, I dispatched a XXXX & Final Dispute Letter and Request for Reinvestigation with EXPERIAN concerning the demonstrably FALSE, UNAUTHORIZED, ERRONEOUS, INACCURATE, and INCORRECT INFORMATION pertaining to XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX {$9400.00} ; XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXXXXXX {$2600.00} appearing in my EXPERIAN Consumer Report XXXX ( " XXXX '' ). 

This DISPUTE LETTER, sent via XXXX Tracking, demanded a diligent and statutorily compliant Reinvestigation and the immediate DELETION & PERMANENT REMOVAL/BLOCK OF XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$9400.00} ; XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXXXXXX {$2600.00} appearing in my EXPERIAN XXXX. ( Please See Supporting Document, Letter to EXPERIAN XXXX ) According to the XXXX Tracking Receipt #, EXPERIAN received the DISPUTE LETTER & REQUEST FOR REINVESTIGATION on XX/XX/XXXX. ( Please See Supporting Document, XXXX Tracking Receipt # ) To date, I have received NO DISPUTE RESULTS from EXPERIAN regarding this critical matter. While my EXPERIAN online Account ostensibly indicates the Status of the aforementioned Accounts as, POTENTIALLY NEGATIVE. ( Please See Supporting Documents, EXPERIAN CREDIT REPORT XXXX, ACCOUNTS STATUS ) Furthermore, a detailed review of ACCOUNTS XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX {$9400.00} ; XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXXXXXX {$2600.00} on my EXPERIAN ONLINE CREDIT REPORT, DISPUTE SECTION, STATUS, COMMENTS SECTION reveals the XXXX  admissions by EXPERIAN : " XXXX info-This item was updated from our processing of your dispute in XX/XX/XXXX. '' This statement, appearing subsequent to EXPERIAN receiving my DISPUTE LETTER & REQUEST FOR REINVESTIGATION on XX/XX/XXXX, is UNEQUIVOCAL EVIDENCE that EXPERIAN HAS NOT CONDUCTED A PROPER REINVESTIGATION in response to my most recent and comprehensive dispute. Instead, it has automatically updated the XXXX Accounts with stale information from a previous, likely inadequate, internal processing. ( Please See Supporting Documents, EXPERIAN CREDIT REPORT XXXX, ACCOUNTS DISPUTE STATUS ) This constitutes a flagrant breach of EXPERIAN 's : XXXX ) Fundamental statutory duties and an affront to consumer rights. By unilaterally " updating '' a currently disputed account with prior information without conducting a fresh, thorough reinvestigation in response to a new dispute, thereby engaging in deceptive and unlawful practices ; and XXXX ) A material contradiction and demonstrates that EXPERIAN has unlawfully and unilaterally updated the account without conducting a new, reasonable reinvestigation, and without providing any reinvestigation results as required under law. 

XXXX. WILLFUL VIOLATIONS OF FEDERAL AND STATE LAW EXPERIAN 's actions, or lack thereof, constitute clear and WILLFUL VIOLATIONS of the following : A. Federal Violations ( Fair Credit Reporting Act - FCRA ) : XXXX U.S.C. XXXX ( a ) Failure to Conduct a Reasonable Reinvestigation and Delete Unverifiable Information : EXPERIAN 's " automatic update '' using prior dispute information in response to a new, formal dispute is NOT a " reasonable reinvestigation. '' This behavior demonstrates a systemic failure to diligently verify disputed information and a conscious refusal to delete entries that are demonstrably false, unauthorized, or unverifiable. The statute demands a genuine, independent inquiry, not a procedural re-logging of old data. 

XXXX XXXX. XXXX ( b ) Failure to Ensure Maximum Possible Accuracy : By maintaining and re-verifying demonstrably false, fraudulent, and unvalidated information through a deficient " reinvestigation '' process, EXPERIAN has fundamentally failed its duty to " follow reasonable procedures to assure the maximum possible accuracy '' of my XXXX. The very nature of " automatic updates '' with old data for newly disputed information undermines any claim of reasonable accuracy procedures. 

XXXX XXXX. XXXX & XXXX Willful and Negligent Non-Compliance : EXPERIAN 's documented failure to conduct a proper reinvestigation following my XX/XX/XXXX, dispute, coupled with its deceptive practice of automatically updating disputed data with old information, indicates either a knowing violation or a reckless disregard for its FCRA obligations. This persistent failure, especially after a " XXXX & Final Dispute, '' rises to the level of willful non-compliance, rendering EXPERIAN liable for actual damages, statutory damages ( $ XXXX {$1000.00} ), and punitive damages. At a minimum, their actions constitute negligent non-compliance. 

B. State Violations ( Wisconsin XXXX XXXX & Debt Collection Laws ) : XXXX XXXX. XXXX ( XXXX ) ( f ) Unfair XXXX XXXX Practices ( XXXX ) : By continuing to report a disputed debt without a proper, current reinvestigation and by effectively masking the true status of the dispute through automated updates, EXPERIAN facilitates the reporting of information " known to be reasonably disputed by the customer without disclosing the fact that the customer disputes the debt. '' This directly harms my financial reputation within Wisconsin. 

XXXX XXXX. Ch. XXXX XXXX Practices, XXXX XXXX : XXXX XXXX  conductincluding its failure to adequately investigate and its deceptive update practicesconstitutes unfair, deceptive, and misleading business practices that defraud consumers, contrary to the spirit and letter of Wisconsin 's broad consumer protection statutes. 

IV. SUPPORTING LEGAL PRECEDENTS My claims are fortified by established legal precedents that squarely address XXXX XXXX egregious conduct : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This pivotal case mandates that CRAs must conduct independent, reasonable investigations and can not merely " parrot '' furnisher responses or rely on superficial re-logging. XXXX XXXX automated update in lieu of a genuine reinvestigation is a direct affront to this standard. 
XXXX v. EXPERIAN XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Even " technically accurate '' entries can violate XXXX ( b ) if they are misleading or lack necessary context. XXXX XXXX practice of updating with old data without a fresh investigation, especially for a " cancelled debt '' account, is inherently misleading. 
XXXX v. EXPERIAN XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX ) : These cases are highly relevant as they address CRAs reporting cancelled debts and refusing to dismiss complaints where CRAs persisted in reporting disputed information, implying that such conduct can rise to willful violations. XXXX XXXX actions, particularly concerning the XXXX XXXX XXXX XXXX account, mirror this pattern. 
XXXX v. EXPERIAN XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : EXPERIAN 's failure to remove disputed, unverifiable debt after multiple disputes can justify punitive damages, highlighting that repeated inaction after notice demonstrates a disregard for truth. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This ruling affirms that CRAs XXXX be liable for knowingly including false information when they fail to verify consumer disputes or correct errors. A willful refusal to remove inaccurate data after notice constitutes willful misconduct. 

V. XXXX XXXX  The continued presence of this demonstrably FALSE, UNAUTHORIZED, ERRONEOUS, INACCURATE, AND INCORRECT ACCOUNT on my XXXX, directly attributable to XXXX willful failure to conduct proper investigations and its deceptive automated updates, has inflicted direct, significant, and irreparable harm. My XXXX XXXX has been severely and negatively impacted, remaining artificially low and experiencing further decreases. This has led to multiple denials of credit, substantial financial detriment, lost opportunities, and considerable emotional distress, humiliation, and frustration. 

VI. REMEDIES AND RELIEF SOUGHT I demand that the Wisconsin Attorney General 's XXXX and the Department XXXX XXXX XXXX, along with the CFPB and BBB, immediately intervene and compel EXPERIAN to : IMMEDIATELY DELETE & PERMANENTLY REMOVE/BLOCK the 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  PROVIDE WRITTEN CONFIRMATION of the removal of said account from my EXPERIAN XXXX within XXXX ( XXXX ) XXXX days ; and CONDUCT A THOROUGH INVESTIGATION into XXXX XXXX deceptive " automated update '' XXXX in lieu of proper reinvestigations, and impose immediate, appropriate ENFORCEMENT ACTIONS, SANCTIONS, AND CIVIL PENALTIES for their willful non-compliance with federal and state law. 

I trust this esteemed XXXX will vigorously pursue this matter to ensure EXPERIAN is held fully accountable for its unlawful conduct and that my consumer rights are fully restored. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX : COPY OF WI DRIVER LICENSE, COPY XXXX XXXX FORM, FEDEX TRACKING RECEIPT FOR XXXX LETTER, SCREENSHOTS OF EXPERIAN ONLINE CREDIT REPORT 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