Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
Experian Refusing to Investigate Credit Disputes Despite Notarized Submissions and Verified Identity FCRA Violations Details of the Issue : I am filing this complaint because Experian has repeatedly and unlawfully refused to investigate valid disputes I have submitted regarding my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have submitted three separate written disputes to Experian in XX/XX/XXXX, including notarized documentation, proof of identity ( drivers license ), Social Security card, and proof of address. Despite this, Experian has rejected each dispute, claiming the mail was not sent by me or was suspicious, and has refused to take any investigative action whatsoever. 

Timeline of Events : XX/XX/XXXX I sent my first written dispute via USPS with tracking to Experian ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Included : dispute letter, color copies of ID, SSN, and proof of address.XX/XX/XXXX Experian responded by email stating they would not investigate, claiming the request was not from me. EarlyXX/XX/XXXXI sent a second written dispute.XX/XX/XXXX Experian responded again claiming the mail was suspicious and would not be processed.

XX/XX/XXXX I sent a third dispute, fully notarized and mailed via certified mail with tracking. 

Included : notarized legal demand, dispute letter, ID, Social Security card, proof of address.

XX/XX/XXXX Experian again emailed me stating they would not investigate, claiming it was not authorized by me. 

In total, I have mailed over ten dispute letters to Experian in XXXX alone, each accompanied by proper documentation. 

Legal Violations Committed by Experian : Experians repeated refusal to conduct a reinvestigation violates several sections of the FCRA, including : XXXX ( a ) ( 1 ) ( A ) Requires consumer reporting agencies to investigate disputes when notified directly by the consumer. 

XXXX ( a ) ( 2 ) Requires the bureau to forward relevant information to the furnisher of the data. 

XXXX Experians repeated refusals amount to willful noncompliance, giving me grounds for statutory and punitive damages. 

XXXX Even if considered negligence, Experian is still civilly liable for failing to investigate legitimate disputes. 



Attached Evidence : PDF copies of all three Experian rejection emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Copies of mailed documents : ID, SSN, proof of address USPS tracking receipts and envelope label photos Closing Statement : I have made every reasonable effort to resolve this directly with Experian. I am now requesting the CFPBs assistance in enforcing my rights under the FCRA. Experian is obstructing my legal right to dispute inaccurate information and failing to comply with their regulatory obligations. 

Thank you for your attention to this matter.

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