Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this follow up complaint against Experian for the repeated, and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), as they pertain to my personal credit file and my rights as a consumer. 

Despite my multiple, clear, and well-documented previous disputes and complaints regarding inaccurate and unverifiable information, none of these nationwide consumer reporting agencies have provided me with certified verification substantiating the accuracy of the disputed accounts. I have repeatedly requested, in writing, detailed methods of verification and supporting documentation, yet I have received neither the required information nor any genuine investigation as mandated by federal law. 

Although this complaint is directed to Experian, I want to mention supporting claims that recent enforcement actions and lawsuits by the Consumer Financial Protection Bureau ( CFPB ) underscore the seriousness and systemic nature of these violations : Experian : In XX/XX/year>, the CFPB filed suit against Experian for conducting sham investigations of credit report errors, failing to properly intake, process, investigate, and notify consumers about the results of their disputes. The CFPB alleges that Experian not only ignored evidence provided by consumers but also illegally reinserted inaccurate information that had previously been removed, in direct violation of the FCRA. 

XXXX : In XX/XX/year>, XXXX was ordered to pay a {$15.00} million civil penalty for failing to conduct proper investigations of consumer disputes, reinserting previously deleted inaccuracies, and sending consumers confusing and contradictory letters regarding the status of their disputes. The CFPB found that XXXX practices violated the FCRAs requirements for dispute investigation and accuracy, and the company was ordered to overhaul its dispute resolution process to comply with federal law. 

XXXX : Most recently, XXXX agreed to a {$23.00} million class action settlement ( XXXX XXXX XXXX XXXX XXXX XXXX ) after being accused of failing to properly investigate consumer disputes regarding unauthorized or inaccurate hard inquiries. The lawsuit alleged that XXXX failed to contact companies responsible for disputed inquiries and did not remove challenged items from credit files, in violation of the FCRA. The settlement covers nearly half a XXXX consumers and mandates changes to XXXX dispute handling practices. 

These recent actions by the CFPB and the courts confirm that my experience is not isolated, but part of a broader pattern of willful noncompliance and disregard for consumer rights by all three major credit bureaus. 

Let me be absolutely clear : If these agencies do not comply with their statutory obligations and remove all unverifiable, disputed, and improperly reinserted records within ten ( 10 ) days of this notice, I will pursue all available legal remedies. This includes seeking damages for : Failure to safeguard my private and personal information Allowing unauthorized inquiries Repeated negligence in correcting my credit reports Modifying my reports without my consent Furnishing unverifiable information without proper investigation Ignoring the concrete evidence I have provided The ongoing harm caused by continued false reporting As established in the above-referenced cases and under the FCRA, XXXX am entitled to seek actual, statutory, and punitive damages, as well as attorneys fees, for both negligent and willful violations.

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