Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this formal complaint regarding the continued failure of Experian to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). The agency has repeatedly reported inaccurate, incomplete, and harmful information on my credit report without conducting a lawful and reasonable investigation, despite numerous certified mail disputes and documentation I have provided.

1. Failure to Investigate and Provide Documentation : Each time I submit a dispute through certified mail, the credit reporting agency responds by claiming they can not recognize meeven though I have provided full identifying information. This appears to be an attempt to avoid their statutory duty to investigate. 
Under FCRA regulation, the agency is required to conduct a reasonable reinvestigation and provide supporting documentation used to verify challenged information. They have failed to do so. 
2. Reporting Late Payments in Violation of the FCRA : My report contains late payment notations that are inaccurate, unverified, and damaging. Under FCRA regulation, credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting unverified late payments is a direct violation of this requirement. 
3. Improper Reporting of Closed or Written-Off Accounts Without Required IRS Documentation XXXX The agency is also reporting closed accounts that were allegedly written off. 
Accounts that are truly written off or forgiven require issuance of a Form XXXX to the consumer. I have never received such documentation, which strongly suggests the reporting is inaccurate and unlawful. 
Under FCRA regulation, furnishers must not report information they know or should know to be inaccurate. 
4. Privacy Violations Related to Unauthorized Soft Inquiries : My report contains multiple soft inquiries and promotional inquiries for which I did not consent. 
Under FCRA regulation, a credit reporting agency may only provide consumer reports for permissible purposes. I did not authorize the sale, distribution, or access of my personal data for marketing or financial gain.

5. Failure to Obtain Consumer Consent Before Collecting or Sharing Certain Information : The agency must verify consumer written instructions/consent before sharing consumer information. I have not provided consent for the distribution of inaccurate, defamatory, or harmful information, nor for repeated access to my credit file by third parties. 
6. Pattern of Acknowledging Complaints Only When Government Agencies Are Involved : Notably, the credit reporting agency only responds appropriately when the matter is escalated to the CFPB, SEC, or other regulators. 
This conduct is discriminatory, dismissive, and harmful. As a consumer, I should not have to involve federal regulators simply to receive fair treatment and adherence to federal law. 

The continuous failure to adhere to the FCRA, failure to protect my privacy, and refusal to take my written disputes seriously unless regulators intervene is demeaning, harmful, and a direct violation of consumer protection laws. 

Thank you for your time and attention. I request immediate review and corrective action.

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