Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Experian responded to my dispute dated XX/XX/year> by stating on XX/XX/year> that all negative items were verified as accurate. This response is invalid because Experian never provided any method of verification, documentation, or physical proof as required by FCRA 1681i ( a ) ( 7 ). 

On XX/XX/year>, I submitted a follow-up letter requesting the exact method they used to verify the disputed accounts, including who they contacted, how they verified, and whether the verification was done through a XXXX, direct communication, or automated e-OSCAR. Experian has not provided any of this information. 


Experian is still reporting multiple inaccurate and unverifiable derogatory items including charge-offs, collections, and alleged delinquencies. Many are missing Metro-2 data fields, have inconsistent dates, unverified balances, and no evidence of permissible purpose. I also disputed a XXXX  XXXX bankruptcy entry that is missing required Metro-2 reporting codes ( XXXX, XXXX, and XXXX CII ), making it legally deficient and unverifiable under the FCRA.

Experian also continues to publish incorrect personal identity information, including wrong name variations, unauthorized former addresses, and employer information that does not belong to me, violating FCRA 607 ( b ). I provided my correct identifiers and asked for all inaccurate information to be corrected. Experian did not correct it.

By sending a generic verified response without proof, Experian has failed to conduct a lawful reinvestigation under FCRA 611 ( a ) and is withholding the required verification explanation under 1681i ( a ) ( 7 ). Experian is also continuing to report inaccurate and unverifiable data after a consumer dispute, which is a violation of 623 ( a ) ( 1 ) ( A ).

As you know. I sent you a letter last month regarding the issues on my consumer report and now I am continuing to exercise my rights as a federally protected consumer under title 15 chapter 41. As I am well aware that there are still accounts on my consumer report that I never gave you written consent to furnish and you continue to ignore me. I Am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them.

Notice, it is a fact, that i am aware, in accordance with 15 U.S. Code 168li ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. i have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent.

I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under XXXX XXXX XXXX XXXX  and pursue litigation Section 621 of the fair credit reporting act also provides me the information about the administrative enforcement of the Federal Trade Commission.

I am fully aware that you are performing unfair and deceptive acts in commerce and not being in full compliance will be a violation of {$2500.00} pursuant to 15 usc 1681s ( 2 ) ( A ).

Now you claim that you verified these accounts as accurate, but 15USC 1681 ( a ) ( e ) makes it clear that if a consumer reporting agency investigates data on a consumer report, then it is known as an investigative consumer report and I understand that for you to conduct an investigation, you must conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the Consumer - Or anyone who has knowledge concerning such items or information I am well aware of 15 USC 1681s ( Section 623 ) that states data furnishers are indeed required to notify the consumer of any negative data being furnished and I can assure you that never happened or took place.

These data furnishes must provide proof they followed procedures or remove the following information from my consumer report. By you continuing to report accounts on my consumer report without my written consent along with you not respecting my right to privacy this is identity theft.

Any transaction on here is a transaction that was from real-life experience which is supposed to be excluded from my consumer report : I, XXXX XXXX XXXX filed a dispute with Experian on XX/XX/year>, after discovering Experian is reporting multiple inaccurate, unverifiable, and improperly documented credit items. Experian failed to comply with FCRA 611 ( a ) ( 1 ) by not completing a proper reinvestigation within the required timeframe.

Experian is reporting incorrect personal identifiers, including : Incorrect names Wrong address variations Unauthorized former employers Incorrect birth-year reporting
These inaccuracies contradict my verified identity information and violate FCRA 607 ( b ). 

I also disputed dozens of derogatory accounts including : 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 XXXXXXXX These accounts show inconsistent data fields across bureaus, missing Metro-2 fields, inaccurate balances, incorrect dates, and no proof of permissible purpose or validation.

Experian is also inaccurately reporting a XXXX XXXX bankruptcy, missing multiple required reporting codes ( XXXX, XXXX, XXXXXXXX XXXX XXXX ), making it defective and unverifiable under FCRA.

Experian has failed to : Provide documentation of validation Correct Metro-2 non-compliant entries Remove unverified accounts Accurately report my personal identifiers Please tell me how you verified these items as i have a right to know since the investigation you did last month is already over. Who did you talk to the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/ Phone number listed on my report. The Fair Credit Reporting act says you have 15 days to tell me if I ask. Don't provide me with the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of commencement of delinquency? the original creditor is required to give that to you. So, when is that? When will these accounts be past the reporting timeframe? Don't provide me with the generic " 7 years '' response. I am aware of that. Tell me when these alleged accounts became delinquent and specifically when they will be removed.

Supply your response within 15 days or delete these accounts Please send the following information used to verify the validity of the accounts listed above along with information regarding my investigative consumer report or I demand these accounts be deleted in their entirety XXXX. The documentation used to verify the dispute XXXX. Documentation proving the Data Furnisher is metro 2 compliant and is reporting everything 100 % accurate. 
XXXX. Provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation XXXX. The name of the original creditor XXXX. The creditor 's Address and Telephone number. 
XXXX. The person 's name they verified the dispute with XXXX. Interviews with neighbors ( What neighbors did you speak to? ) XXXX. What friends of mine have you spoken to? 
XXXX. What associates of mine did speak to? 


In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Failure to provide the XXXX XXXX XXXX that was sent from the data furnisher to yourself can put you into a lot of trouble. As it can be used against you in court in the discovery of evidence to prove the inaccuracy of the accounts listed above so I am hoping that you are smart and will comply.

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