Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
This is my third follow-up regarding an unresolved dispute with Experian concerning an account reported by XXXX XXXX XXXX XXXX Account # XXXX ). I originally submitted a formal dispute online on XX/XX/year>, as documented in my prior CFPB complaints ( Complaint ID : XXXX and XXXX ). 

Despite following the proper process and providing all necessary documentation, I continue to receive conflicting, incomplete, and non-compliant responses from Experian : On XX/XX/year>, I received a boilerplate response by mail that made no mention of the specific account in question and failed to explain how the information was verified. This falls short of the disclosure requirements under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

On XX/XX/year>, I received an email stating that my dispute from XX/XX/year> is still in progress. I did not submit a dispute on XX/XX/XXXX. My only formal dispute remains the XXXX submitted on XX/XX/year>, which was included in attachments to my previous complaint. 

These repeated, incorrect dispute updates appear to be improperly extending the investigation timeline, in violation of the 30-day limit required under FCRA 611 ( a ) ( 1 ).

These inconsistencies raise serious concerns about whether Experian is meeting its obligations under the law. At this stage, I must formally request the following actions from Experian to comply with the FCRA : I am requesting : Immediate deletion of the disputed account reported by XXXX XXXX XXXX ( Account # XXXX ) if Experian can not provide, in writing and by mail, no later than XX/XX/year>, the following information : The method of verification used to confirm the accuracy of the information, The name, address, and telephone number of the furnisher or party who verified the disputed information, And any documentation provided by the furnisher that Experian relied on to verify the account. 

This information is explicitly required under the Fair Credit Reporting Act, including : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which mandates that Experian provide a description of the procedure used to determine the accuracy of disputed information, and FCRA 611 ( a ) ( 7 ) which gives consumers the right to request the business name and address of any furnisher of information contacted... and the telephone number of such furnisher, if reasonably available.

If this information is not received by XX/XX/year>, I expect written confirmation by mail that the account will be deleted from my credit report due to failure to verify it in accordance with the law. 

I have made every effort to resolve this matter in good faith, including submitting extensive documentation such as : Proof of my original dispute filed XX/XX/XXXX, Records of my XX/XX/XXXX call with Experian ( Case # XXXX ), Emails showing inaccurate dispute updates, Copies of mailed verification requests that remain unanswered. 

Thank you for your attention to this matter. I look forward to a prompt and complete resolution, and I ask the CFPB to take further action if Experian does not comply with these legal requirements.

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