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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Experian for Willful Noncompliance with FCRA Sham Investigations & Failure to Correct Inaccurate Information Dear CFPB Investigator, I am filing this formal complaint against Experian Information Solutions , Inc., for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report.

I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using XXXX, and not complying with its obligations under 15 U.S.C. 1681i ( a ).

Below is a summary of each issue I have disputed, how Experian failed to comply, and the specific relief I am requesting.

-- - # # # 1. Inaccurate Charge-Off XXXX XXXX - Account Name : XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Issue : Experian reports this account as a charge-off with a past due balance of {$10000.00} and last payment dated XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records.

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines . Sham Investigations : Pattern of Noncompliance I believe Experian is relying on XXXX automated responses, which do not satisfy the reasonable investigation standard under FCRA 1681i ( a ). The CFPBs past lawsuits and consent orders against Experian and the other bureaus for similar behavior indicate a pattern of systemic abuse.

> Reference Case : CFPB vs. Experian, 2017 & 2023 enforcement actions for misleading consumers and failing to conduct proper reinvestigations.

-- - # # # Requested Relief from CFPB : 1. Investigate Experians sham investigation practices.

2. Require Experian to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above.

3. Require Experian to provide documentation for any item it claims to verify.

4. Impose appropriate penalties or sanctions for repeated violations.

5. Ensure Experian follows all Metro 2 and CDIA standards, and refrains from unverifiable data reinsertion.

Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like Experian disregard their legal obligations and cause harm to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. 

Sincerely, [ 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