Consumer complaint received 2025-05-19 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:
I hereby submit this formal complaint against Experian Information Solutions XXXX Inc. for its failure to conduct a lawful and reasonable reinvestigation of multiple disputes I submitted concerning inaccurate and incomplete information on my credit report. Experian has repeatedly failed to fulfill its statutory obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and has improperly refused to investigate my disputes based on an unfounded claim that the requests were not submitted by me or an authorized representative. 
On XX/XX/2025, I submitted a written dispute to Experian via USPS Certified Mail ( tracking number : XXXX ), in which I disputed various inaccuracies concerning personal information and credit account entries listed on my consumer credit file. In full compliance with identity verification requirements, I enclosed the following documents : A copy of my valid government-issued identification ; A copy of my Social Security card XXXX and A recent bank statement displaying my current residential address. 


Despite meeting all requirements for a valid consumer dispute, on XX/XX/2025, I received a response from Experian stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This assertion is plainly incorrect. I personally submitted the dispute directly and included complete documentation proving my identity and address. Nevertheless, on XX/XX/2025, I submitted a second dispute, again enclosing all required documentation. On XX/XX/2025, I received another rejection via email, containing language nearly identical to the earlier response, which again incorrectly stated that the request was not sent or authorized by me. 
Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies such as Experian are legally required to conduct a reasonable reinvestigation of any disputed information in a consumers file within XXXX  days of receiving notice of the dispute. Experians repeated refusal to investigatedespite receiving proper notice and all supporting documentationconstitutes a willful or, at minimum, negligent violation of its statutory duties under the FCRA. 
I respectfully request that the Consumer Financial Protection Bureau investigate Experians repeated failures to comply with federal law, and that appropriate enforcement action be taken to ensure accountability. I further request that Experian be directed to conduct a lawful and timely reinvestigation of all disputed items and issue a formal resolution based on the merits of the dispute, not an unsupported procedural dismissal. 
Supporting documentation, including copies of the original dispute letters, proof of delivery, and Experians responses, is included with this complaint.

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