Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
Subject : Experians Refusal to Process My Direct Dispute / Violation of FCRA, FTC Regulations & Due Process I am filing this complaint because Experian refused to process my direct dispute, despite the fact that my request was legitimately sent by me, from my address, and fully authorized. 

Experian sent me a letter stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you As a precaution, we have not taken any action According to the FCRA, you can dispute any inaccurate information directly with Experian for free. 

This statement is false, misleading, and directly contradicts federal law. 
My dispute was sent directly by me, and Experian has no lawful basis to refuse a reinvestigation under the Fair Credit Reporting Act ( FCRA ). 


1. Violation of FCRA 611 ( 15 U.S.C. 1681i ) This law requires Experian to conduct a reinvestigation whenever a consumer disputes information directly.

I notified Experian directly.

They refused to investigate a clear statutory violation.

2. Violation of FCRA 607 ( b ) Duty to Assure Maximum Possible Accuracy Experian must assure accuracy before reporting, and refusal to reinvestigate blocks that statutory requirement.

3. Violation of FCRA 623 ( a ) ( 8 ) & 623 ( b ) When a direct dispute is received, Experian must : forward the dispute to the furnisher, require a lawful verification, delete any item not verified.

Refusing to initiate the dispute process violates these duties.

4. Violation of FTC Guidance and Federal Case Law The FTC and federal courts have established that credit bureaus can not refuse to investigate legitimate disputes : Cushman v. Trans Union, 115 F.3d 220 ( 3rd Cir. 1997 ) A credit bureau can not rely solely on a furnishers say-so and must conduct a reasonable reinvestigation.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) Credit bureaus have an independent duty to verify accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to reinvestigate is actionable under FCRA.

The FTCs Staff Opinion Letter to XXXX affirms that the CRA must investigate all consumer-submitted disputes and can not deny reinvestigation without substantial proof. 

Experian disregarded these authoritative rulings and standards. 

5. Experians Conduct Constitutes Willful Non-Compliance ( FCRA 616 ) Willful refusal to investigate after receiving a legal dispute provides grounds for punitive damages. 

6. Violation of My Due-Process Rights Under the Fourteenth Amendment Although CRAs are private entities, the Supreme Court has held in : Jones v. SEC, 298 U.S. 1 , and Barlow v. United States , 32 U.S. 404 , that when an entity affects a citizens economic rights and ability to contract, procedural fairness must be followed. 
By refusing to investigate, Experian unlawfully restricted my access to accurate credit information and financial opportunity. 


Experian is reporting items about me that I believe to be inaccurate, incomplete, or unverifiable, and their refusal to reinvestigate keeps damaging information on my file without due process. 
This is harming : my credit score, my ability to obtain credit, my economic opportunities.

I respectfully request that CFPB require Experian to : Immediately process my dispute as required by FCRA 611.

Conduct a full reinvestigation and obtain verified documentation from any furnisher.

Delete any item that can not be independently verified within the 30-day statutory timeframe.

Provide me with : Written confirmation of the reinvestigation Updated credit file Explanation of corrections or deletions Place appropriate sanctions if Experian knowingly violated the FCRA. 


If Experian continues to refuse lawful reinvestigation and correction, I am prepared to pursue civil action under FCRA 616 and 617, seeking : statutory damages, punitive damages for willful non-compliance, attorney fees and court costs.

I request CFPB intervention to ensure Experian complies with federal law and my rights as a consumer.

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