Consumer complaint received 2025-04-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX D.C. XXXX Subject : Formal Complaint Against Experian FCRA Violations and Failure to Conduct Proper Reinvestigation Dear CFPB, I am filing this formal complaint against Experian for willfully and negligently violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, in response to my disputes submitted concerning inaccurate and unverifiable information on my credit report dated XX/XX/scrub> 2025. 

On or around XX/XX/year>2025, I submitted a written dispute letter to Experian regarding multiple tradeline and collection accounts. These accounts are either inaccurate, unverifiable, or reported inconsistently when compared to other credit bureaus. My letter explicitly stated reasons for each dispute and requested supporting documentation or deletion of unverifiable items. 

Despite my clearly communicated and legitimate disputes, Experian : Labeled one or more disputes as frivolous, violating 15 U.S. Code 1681i ( a ) ( 3 ), which requires the credit bureau to notify the consumer with specific reasoning and supporting evidence if they consider a dispute frivolous.

Failed to conduct a proper reinvestigation as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a credit reporting agency must conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Did not provide the results or documentation from furnishers in accordance with 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), which entitles the consumer to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and contact of the furnisher.

Experians failure to provide verification documents ( including billing statements, payment histories, or proof of debt ownership/collection rights ) constitutes a violation of the consumers right to receive all information in their file under 15 U.S. Code 1681g ( a ).

Additionally, I referenced the CFPBs lawsuit against Experian dated XX/XX/year>2025, which outlines similar violations of consumer protection rights, including ignoring legitimate disputes and failing to provide proper investigations.

I respectfully request the CFPB to take the following action : 1. Investigate Experian for violations of 15 U.S. Code 1681i and 1681g.

2. Require Experian to conduct a full reinvestigation of the disputed accounts and delete or correct all information that can not be verified with documented evidence.

3. Ensure that Experian provides me with written results and all documentation obtained from the furnishers in response to my disputes.

4. Consider financial penalties or corrective enforcement if Experian is found to have violated the law.

Attached is a full copy of my dispute letter sent to Experian for your reference. 

Sincerely, XXXX XXXX

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