Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC, XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : Request for Proof of Investigation Regarding Disputed Credit Report Item To Whom It May Concern, I am writing in reference to a recent investigation conducted by your agency regarding a disputed item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I respectfully request full documentation and evidence of the investigation process and findings that led to your decision. 

The item in question is : Creditor Name : [ XXXX XXXX XXXX ] Account Number ( or Partial ) : [ XXXX ] Dispute Date : [ XX/XX/year>XXXX  ] Case or Reference Number : [ XXXX ] Please provide the following : 1. A description of the investigation process, including how the investigation was conducted and who was contacted.

2. All documentation and communications received from the data furnisher regarding this item.

3. Verification that the furnisher verified the information in compliance with FCRA Section 611.

4. A copy of the results of the investigation and any documentation used to support your findings. 

If this information can not be provided, I request that the disputed item be removed from my credit report immediately, as failure to verify information constitutes grounds for deletion. 

Please send your response to the address listed above within 30 days, as required by law. I appreciate your cooperation and prompt attention to this matter. 

[ CFPB Sues Experian for Sham Investigations of Credit Report Errors ] Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing XX/XX/year>XXXX  The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute.

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