Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX'1. Summary of Complaint\n\n\nExperian received my mailed dispute package, which included:\n\nMy full government-issued ID\n\nMy complete and correct mailing address\n\nMy written and physical signature on all pages\n\nAll supporting documents required under the FCRA\n\nMy Experian Negative Item Report and detailed dispute breakdown\n\n\n\nHowever, instead of conducting the legally required reinvestigation, Experian refused, claiming:\n\n\n\nWe could not confirm that it was you who submitted the dispute.\n\n\nThis statement is false and unlawful.\n\n\n\nExperian then attempted to force me to dispute online, which would require me to:\n\nAgree to Experians online dispute terms\n\nWaive rights provided under FCRA 611\n\nAccept limited reinvestigation procedures\n\nAccept arbitration / reduced legal remedies\n\n\n\nThis tactic is known and documented: online disputes strip consumers of key protections, including access to evidence and accountability.\n\n\n\nI am filing this complaint because Experian deliberately denied my rights under federal law.\n\n2. Why Experians Identity Claim Is Invalid and Unlawful\n\n\nExperian already verified my identity when they generated the credit report I disputed.\n\nTherefore, the claim that they did not know if it was me is impossible and contradictory.\n\n\n\nAdditionally:\n\nMy ID matched the exact information already in their system\n\nMy address matched the address on my Experian credit file\n\nMy signature was consistent across all pages\n\nThere was no basis to deny identity\n\nNo part of my dispute packet was missing\n\n\n\nUnder FCRA 611(a), once a bureau receives a valid dispute, they must investigate.\n\nExperian instead refused, violating:\n\nFCRA 611(a)(1)  Failure to reinvestigate\n\nFCRA 611(a)(2)  Failure to notify furnishers\n\nFCRA 611(a)(5)  Failure to delete unverifiable information\n\nFCRA 607(b)  Failure to follow reasonable identity procedures\n\n\n\nThis refusal is not a clerical issue  it is a denial of statutory rights.\n\n3. Experian Attempted to Force an Online Dispute (A Rights Waiver)\n\n\nExperian responded by instructing me to:\n\n\n\nSubmit the dispute online instead.\n\n\nThis is a documented strategy credit bureaus use to limit FCRA rights, because online disputes:\n\nForce consumers into restrictive dispute categories\n\nPrevent consumers from attaching full evidence\n\nAllow Experian to discard supporting documents\n\nWaive important rights under FCRA 611\n\nLimit access to future legal claims\n\n\n\nBy refusing my mailed dispute and forcing me online, Experian attempted to make me:\n\nGive up the right to a full reinvestigation\n\nGive up the right to direct evidence submission\n\nGive up the right to challenge incomplete investigations\n\nGive up the right to maintain full documentation for lawsuits\n\n\n\nThis is why Experians conduct is unlawful and deceptive.\n\n4. Disputed Items Experian Refused to Investigate\n\n\nBased on your Experian Negative Item Report:\n\n\n\nFederal Student Loans  Department of Education / XXXX  (6 Loans)\n\n\nReported 120+ days late during CARES Act protections\n\n Violates CARES Act 3513 & 4021XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off\n\n\nUnverified delinquency\n\n Violates FCRA 623(a)(1)(A)\n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX  (Collection)\n\n\nNo proof of ownership or assignment\n\n Violates FDCPA 809(b), FCRA 623(a)(2), UCC 9-406\XXXX XXXX XXXX XXXX XXXX XXXXNo debt validation\n\n Violates FDCPA 807(8), 809(b)\n\n\n\nUnauthorized Hard Inquiry  XXXX XXXX XXXX XXXX  Violates FCRA 604(a)\n\n\n\nSoft Inquiries Without Permissible Purpose\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)\n\n Violates FCRA 604(c), 607(a)\n\n5. Harm Caused by Experians Refusal\n\n\nBecause Experian refused to process my dispute:\n\nMy incorrect credit data remains uncorrected\n\nI have suffered financial hardship\n\nI have suffered emotional harm\n\nI have lost opportunities for credit and housing\n\nI am being forced into a dispute method that removes my legal rights\n\n\n\nThis refusal has caused substantial damages. Below is the tracking of the dispute:\n\n\n\nEXPERIAN DISPUTE USPS TRACKING INFORMATION (OFFICIAL)\n\n\nUSPS Tracking Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Mailed (USPS Accepted the Package)XXXX XXXX XXXX XXXX XXXX XXXXLocation: XXXX, NY XXXX\n\n\n\n(This proves you mailed your dispute on time, with a complete identity packet.)\n\n \nDate Delivered to ExperianXXXX XXXX XXXX  at XXXX XXXXDelivery Status:\n\n\nDelivered  Individual Picked Up at Post Office\n\n \nDelivery Location (Experian Regional Mail Facility)XXXX XXXX XXXX(This matches the Experian dispute address you used:)\n\nExperian Information Services, LLCXXXX XXXX XXXX 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