Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am filing this complaint against Experian for repeatedly refusing to conduct reasonable investigations of my disputes, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Despite submitting valid disputes on the following dates, XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX ) XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX ) XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX ) XX/XX/XXXX regular mail I mailed dispute letters to Experian via USPS certified mail and regular mail, requesting the removal of inaccurate and incomplete reporting of XXXX  on my credit report and the removal of incorrect personal information, causing me significant financial and emotional harm Experian has failed to correct an inaccurate XXXX  listing and incorrect personal information on my credit report. In my dispute letters, I also specifically requested information on how Experian verified the accuracy of the disputed negative items and a XXXX  on my credit report. To comply with FCRA guidelines, I included a copy of my government-issued ID, Social Security card , and proof of address in each dispute letter to verify my identity. 
Despite my repeated efforts, Experian continuously refused to conduct an investigation. Each time, they responded with the same generic response, which I received on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This is incorrect, as I personally submitted my disputes and provided all necessary identification documents for verification. However, Experian has : Refused to investigate, claiming my disputes are frivolous without valid reasoning, or Failed to respond within the FCRAs required XXXX days. 
Under the FCRA, when a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians repeated refusal to conduct an investigation violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a dispute. 
15 U.S.C. 1681i ( a ) ( 6 ) - Requires credit reporting agencies to provide consumers with information regarding how the disputed information was verified. 
Experian has failed to comply with these legal obligations by repeatedly refusing to investigate my disputes and failing to provide specific details on how they verified the disputed information.

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