Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint against the consumer reporting agency for failing to provide a proper description of the reinvestigation procedures and continuing to report inaccurate and unverifiable information on my credit report.

As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), I formally requested a detailed explanation of the steps taken to verify disputed items on my credit file. To date, I have not received this explanation, nor have I been provided with the legally required documentation or verification of the accounts in question. 

Disputed Items Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations The consumer reporting agency is in violation of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification and reinvestigation details.

15 U.S.C. 1681n and 1681o : Subject to civil liability for negligent or willful noncompliance with the FCRA.

Despite my formal request, the agency has failed to produce documentation showing : The name and contact information of the data furnishers ; The identity of the individual ( s ) who verified the dispute ; The specific documentation used to validate the reported information ; The procedures in place to ensure accuracy.

Requested Relief I am asking the CFPB to compel the consumer reporting agency to : 1. Delete or correct all inaccurate and unverifiable account and personal information ; 2. Provide a full description of the reinvestigation procedure used to verify the disputed accounts ; 3. Disclose the original creditor name, contact information, and supporting documentation for each tradeline ; 4. Confirm the accuracy assurance process used to maintain FCRA compliance ; 5. Remove all incorrect names, outdated addresses, and any personal identifiers not confirmed with supporting documentation.

Final Statement If the credit reporting agency can not verify the disputed items with proper evidence, they are legally required to delete the inaccurate information from my credit report. I am prepared to escalate this issue further and pursue legal remedies for noncompliance if a timely and lawful response is not provided. 

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