Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is refusing to provide me with documentation on how they're conducting their investigation on a bankruptcy that's only reporting on my Experian credit report. 

Im concerned about the validity & accuracy of an recent investigation of a bankruptcy that's reporting on my Experian credit report. On XX/XX/year> I requested an investigation, Experian received the request on XX/XX/year>. 

On XX/XX/year> I received a notification via email stating that the investigation was complete. If youd investigated this account properly rather than using the E-Oscar system, Im XXXX XXXX  sure that this bankruptcy wouldve been removed. Your investigation claims to have VERIFIED this account, please explain to me how you conducted your investigation. 


XXXX. Please explain to me what your representatives uncovered to lead them to believe that youre reporting this item as it legally should be reported. 

XXXX. What certified documents were reviewed to conclude your investigation? 

XXXX. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

XXXX. What did it cost your company to obtain the documents needed to complete your investigation? 

XXXX. Please provide proof of your timely procurement of certified documents. 

XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

XXXX. If yes to above : A ) Who did you speak to? 
B ) On what date? 
C ) How long was the conversation? 
D ) What was their position? 
XXXX ) What telephone number did you call? 
F ) Whats the name of the employee of your company that spoke directly to the above party? 
G ) Whats the position of the employee of your company that spoke directly to the above party? 
H ) How long has that employee been employed by your company? 
I ) What formal training was provided to this employee to investigate items of this kind? 
J ) Was there any e-mail or written communication between members of your company & the above party? 

XXXX. If so, please provide copies of all correspondence, supply copies of any & all conclusive documentation to prove that youve in fact conducted a reasonable investigation of the account in question. 

XXXX. Provide the date of the commencement of delinquency. 

XXXX. Provide the SPECIFIC date reporting that this item will cease enclosed with your response to the above questions I respectfully requested a notarized affidavit confirming the information that is provided is true & correct as per my rights granted under the FCRA, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ), all unverified accounts must be promptly deleted. This information should not come as a form letter response. My initial dispute was detailed & directly related to the accounts in question, & a template response wont be an acceptable response. 

If you cant supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I immediately demand the permanent removal of this bankruptcy from my Experian credit report. This erroneous entry is detrimental to my overall credit rating & has caused me severe financial & emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, XXXX pursue the enforcements of my constitutional rights via federal court proceedings. As youre well aware, this information will come out through my formal discovery process & necessary depositions.

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