Consumer complaint received 2026-01-25 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:
Complaint Against : Experian Information Solutions , Inc .

Issue Type Credit reporting / Credit report dispute handling Product Credit reporting Complaint Narrative I am filing this complaint against Experian Information Solutions , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) after a completed dispute and a formal Method of Verification demand.

Chronology XX/XX/XXXX : I mailed Experian a Formal Dispute and Verification request pursuant to 15 U.S.C. 1681i ( Section 611 ) and 1681g ( Section 609 ) disputing specific tradelines on my credit report.

I enclosed proper identity verification, including a government-issued photo ID and proof of address.

Experian processed the dispute and subsequently reported that the disputed information was verified and continued reporting the tradelines. 

XX/XX/XXXX : After Experian claimed verification, I mailed a written Method of Verification request pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), demanding disclosure of : the procedure actually used to verify the disputed information ; and the name, address, and telephone number of each furnisher contacted. 

XX/XX/XXXX : USPS delivery confirmation shows Experian received this request.

Instead of responding with the legally required Method of Verification, Experian sent automated and boilerplate emails describing how disputes generally work, without providing : the actual procedure used in my case, the system ( s ) relied upon, whether verification was manual or automated, the date of verification, or the name, address, and phone number of any furnisher contacted. 

XX/XX/XXXX : I mailed Experian a Formal Notice of Statutory Violation & Final Demand to Cure, advising that its failure to disclose the Method of Verification constituted noncompliance with the FCRA. 

XX/XX/XXXX : Experian again responded only with generic automated emails, completely ignoring my statutory demand and failing to provide the required disclosures.

Legal Violations Experian is in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires a consumer reporting agency, upon request, to provide a description of the procedure actually used to verify disputed information, including the name, address, and telephone number of any furnisher contacted. 

A generic explanation of XXXX dispute process does not satisfy this requirement. Courts have held that credit bureaus may not rely on boilerplate responses or merely parrot furnisher data ( see XXXX XXXX XXXX XXXX XXXX ). 

Experian continues to report disputed information while refusing to provide the legally required Method of Verification, despite proper notice and opportunity to cure.

Harm Experians failure to comply with the FCRA has : prevented me from evaluating whether a reasonable reinvestigation occurred ; allowed potentially inaccurate or unverifiable information to continue appearing on my credit report ; and forced me to pursue regulatory intervention after exhausting all direct remedies.

Attachments Copies of dispute letters Method of Verification request Final Notice of Statutory Violation Proof of delivery Experians automated email responses

Company response to consumer: Closed with explanation