Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I am submitting this new complaint because Experian has willfully violated multiple sections of the Fair Credit Reporting Act ( FCRA ) during their handling of my previous dispute regarding a public record inaccurately reported in my credit file since XXXX. 

On XX/XX/XXXX, I provided Experian with documentary evidence proving that the public record contained multiple inaccuracies, including but not limited to, the date paid, zip code, address, and telephone number. I enclosed a printout of the correct legal information. Despite this, Experian continues to report the inaccurate information to this day, as of XX/XX/XXXX. 

Experian claims they verified the information through a third-party vendor, but I have a security freeze on my XXXX account, making such " verification '' impossible through XXXX. XXXX continued reliance on unverifiable third-party data and their refusal to properly investigate the discrepancies constitutes a willful violation of FCRA 611 ( 15 U.S.C. 1681i ) the duty to perform a reasonable reinvestigation when a dispute is filed.

Additionally, Experian failed to provide me with the name, address, and telephone number of the furnisher or vendor who allegedly verified the information as required by FCRA 609 ( 15 U.S.C. 1681g ). They merely stated that a " vendor '' verified the data without identifying the entity responsible, denying me my legal right to know the source of information being reported about me.

Further, Experian is knowingly continuing to report information that they have been alerted is inaccurate and disputed with proof, which is a violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) the duty to correct and update information.

Experians investigation appears to be a rubber-stamp process designed to protect its third-party vendors rather than protect the accuracy of consumers credit files, in direct violation of their obligations under the FCRA and under prior CFPB Consent Orders against Experian for dispute mishandling. 

I am requesting the following relief : Immediate deletion of the inaccurate public record from my Experian credit file.

Full disclosure of the exact name, address, and telephone number of the vendor or furnisher that Experian used to verify the public record, as required by FCRA 609.

A full written explanation from Experian detailing the steps of their reinvestigation process and why they failed to consider the documents I provided.

Assessment of civil monetary penalties against Experian for willful noncompliance with the FCRA, and referral for supervisory enforcement action if appropriate.

Experians continued reporting of this inaccurate, unverifiable public record has caused ongoing damage to my creditworthiness and financial reputation. I am seeking urgent regulatory intervention by the CFPB.

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