Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a second complaint because Experian continues to violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX guidelines, and basic dispute-handling requirements. I have disputed the following accounts multiple times : XXXX ( XXXX, XXXX, XXXX ), XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX. These include several charge-offs reporting {$0.00} balances and a late payment that Experian continues XXXX verify without providing a single legally required document. 
Despite me submitting disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian has not provided XXXX piece of validation or verification. Instead, Experian has sent stall letters claiming I am working with a third party, that I claimed identity theft, and that they can not process my disputes. These are stall tactics not investigations and nowhere in my dispute did I claim identity theft or authorize a third party. These acts violate FCRA 1681i ( a ), 1681e ( b ), and the CFPBs own guidance regarding obstructing dispute investigations. 
In their previous CFPB response, Experian admitted they do not obtain actual verification from furnishers. They stated that Experian contacts the data furnisher electronically and simply accepts whatever the furnisher responds with. This is not verification. This is hearsay and violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires a reasonable investigation. A furnisher verifying something electronically is not legally sufficient. Under Metro 2, furnishers must supply complete documentation, not an electronic code. Experian has failed to provide : Original signed contracts for each charge-off Complete payment histories Itemized accounting of balances Proof the debts were legally assigned Actual validation from furnishers Any documentation proving accuracy Experians response also ignored the fact that Affirm is reporting XXXX separate charge-offs with {$0.00} balances, which is inaccurate, incomplete, and misleading all violations of FCRA 1681e ( b ). Reporting a {$0.00} balance charge-off with no documentation is not only inaccurate, but also deceptive and violates Metro 2s guidance on status codes, balance reporting, and data accuracy. 
Experian also failed to address the fact that XXXX XXXX and XXXX XXXX XXXXXXXX have been modified multiple times, meaning the data is unreliable. Experian continued reporting these items without validating them, violating FCRA 1681s-2 ( b ). The late payment with XXXX XXXX XXXX completely unverifiable. Experian has not provided the accuracy documentation required to legally verify a late payment, such as a full payment ledger, timestamps of when payments were received, or internal account notes. Without these documents, the verification Experian claims is legally worthless. 
Experians previous response also mentioned that accurate information can not be deleted, which is misleading, because under FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted accuracy is not the issue. Verification is. And Experian has failed to verify a single account. Sending me a copy of my credit report is not verification. Claiming something was verified without sending supporting documentation violates FCRA, FDCPA ( as it applies to furnishers ), and Metro 2. 
Experian also failed to address the multiple lawsuits and enforcement actions against them for failure to investigate disputes, reinserting negative information without proper notice, and using automated systems to deny disputes without human review. This pattern is repeating with my file. 
I have given Experian ample time over 60 days for each dispute and have not received XXXX legally required document. Instead, I have received stall letters, form responses, and false statements. Experian has failed its duty under federal law to ensure accuracy, completeness, and proper reinvestigation. 
I want every disputed item permanently deleted. Experian is in violation of : FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) reporting inaccurate and inconsistent information FCRA 1681s-2 ( b ) failure to verify information with required documentation Metro 2 Reporting Standards accuracy, completeness, one-to-one reporting CFPB guidance obstructing the dispute process with stall tactics If these illegal reporting practices continue, I will be pursuing legal action immediately.

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