Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
CFPB Escalation Letter 45- days, Non- Response & Failure To provide Full Disclosure and or comply with Investigation Requirements ( complaint number # XXXX. XXXX ) XX/XX/year> on going - The main issue is placed below. 

Dear Consumer Protection Bureau, I am formally requesting escalation and intervention regarding my open complaint ( # XXXX ) because the company has failed to respond appropriately within the required timeframe, and they continue to ignore critical parts of my complaint, resulting in on going harm.

Although 45 days have passed the company has not : 1. Provided the legally disclosure file that I explicitly requested.

2. They only sent a email of a copy of my updated credit report, Which is not the disclosure file or documentation I am required to.

3. Ignored the core issues, I involved reported including : The breach involving my information The harm caused by their actions and inaction.

Their failures to correct, validate or explain the items disputed.

4. Failure to conduct a reasonable investigation as required by applicable consumer protection laws. 

5. Always it is extremely to reach them by telephone and customer service, preventing me from resolving the matter directly.

I have complied with all requests responded properly and provided sufficient details for the company to complete a full review. However the company continues to adviod addressing my actual concerns and instead provides incomplete or irrevent responses.

This pattern of non-responsiveness, adviodance and failure to provide required disclosures is causing on going harm and preventing Resolution. 

I AM REQUESTING THE FOLLOWING FROM THE CFPB : 1. Escalating this complaint to the internal CFPB review, noting that company is non-complaint and non-responsive.

2. Require the company to provide : The full disclosure file All documents, data, records, notes, communication, and materials related to account ( s ) or issues in question.

3. Require the company to explain why they ignored the primary issue of my complaint?

Failed to address the reported breach and harm?

Failed to report anything beyond a generic credit report?

4. Record the company behavior as a failure to cooperate with the CFPB investigation.

Additional important notes I have evidence of all attempted contacts with the company.

I have requested more than once Full Investigation, Full disclosure file.

The company hasn't complied with basic consumers rights under the FCRA, FDCPA, or applicable regulations requiring reasonable investigation and disclosure.

I am unable to obtain any resolution because the company isn't giving me access to records needed, to validate dispute or correct the information.

The situation continues to cause materials harm, distress and interference with my ability to correct errors and protect my financial identity.

Requested Action : Please keep reopen and escalate this complaint, note the company 's failures to respond adequately and ensure they comply with full disclosure and investigation requirements.

Thank you for your attention to this matter!

I am Requesting a written response confirming this escalation. 

Sincerely, XXXX XXXX XXXX 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