Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This is a XXXX reinvestigation failure and a XXXX permissible-purpose problem. Not identity theft. 

Timeline dates and actions XX/XX/XXXX Sent Utah Office of State Debt Collection ( OSDC ) an FDCPA validation dispute. 
XX/XX/XXXX XXXX, a collector, accessed my Experian file as a hard inquiry. I did not apply for credit and gave no authorization. 
XX/XX/XXXX Disputed with Experian; received a generic we investigated response with no XXXX of XXXX ( XXXX ). 
XX/XX/XXXX XX/XX/XXXX Filed a second dispute; received another generic template. 
Afterward, Experians process forced phone-only handling ; agents stated only fraud inquiries can be removed. Audio recordings preserved ; transcript excerpts attached. 

Company conduct and legal defects No verification of permissible purpose for XX/XX/XXXX. 
No XXXX provided as required by 611 ( a ) ( 6 ) ( B ) ( iii ). 
Inquiry remains coded hard although this was a collector review, not a consumer credit application. 
Website/FAQ and agent scripting restrict hard-inquiry relief to fraud, blocking lawful XXXX disputes over permissibility and coding. 

Information requested from Experian ( not provided ) XXXX. The exact 1681b ( a ) paragraph relied on for XX/XX/XXXX. 
XXXX Who or what system was contacted to verify, how, and when. 
XXXX. The documents/data relied on, including the users purpose certification and the XXXX XXXX XXXX. 
XXXX. Policy/rationale for coding this as hard rather than soft if the asserted basis is collection/account-review. 
XXXX. XXXX transmissions, dispute notes, and call notes for the XX/XX/XXXX and XX/XX/XXXX disputes. 

Statutory context ( short ) 604 ( a ) / ( f ) : reports may be furnished/used only for listed purposes; obtaining/using without XXXX is prohibited. 
607 ( a ) : XXXX  must require purpose certification before furnishing and have reason to believe it exists. 
607 ( b ) : XXXX  must assure maximum possible accuracy, including correct hard vs soft coding. 
611 ( a ) & 611 ( a ) ( 6 ) ( B ) ( iii ) : XXXX must reinvestigate and, on request, provide a written XXXX describing how it verified. 

Evidence attached XXXX compact exhibits XXXX  : Experian dispute results ( XX/XX/XXXX and XX/XX/XXXX ), my XXXX request, XXXX letters, screenshots of Experians fraud-only/phone-funnel pages ; audio recordings preserved. Full credit report withheld for privacy.

additionally, I have filed a parallel complaint for investigation by the consumer financial protection bureau enforcement division. 

I have preserved audio recordings of Experian, representatives threatening me telling me that Im stupid and that I have no right to dispute a hard credit check unless its a fraud. Experian, representatives threatening me telling me that XXXX stupid and that I have no right to dispute a hard credit check unless its a fraud

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