Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
On XX/XX/year> I sent a written letter to experian disputing multiple items and accounts on my credit report. I was specific and requested an investigation into the matter. On XX/XX/XXXX, I received an email from experian claiming " 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 precautionary measure, we have not taken any action on your alleged request. " Normally, when a company is unable to verify me, they ask me to send verifying documentation or other means of verification. I sent them another letter XX/XX/XXXX, telling them that they had no right to dismiss my disputes as such. I provided photocopies of my passport, drivers license, and social security card to prove I am the one making the disputes. This is what they should have requested instead of just avoiding investigating. I said in that letter from XX/XX/XXXX, that they have no right to ignore my dispute, and that they should be verifying the validity of it instead of just not doing their job. I asked them to never do this to a dispute I open again in the future. I requested that if this happens again, and there are any doubts about whether or not the dispute is from me, to just ASK for my verifying documents instead of throwing it out. Why would anyone other than myself dispute such specific and multiple details?? So INSTEAD OF INVESTIGATING MY DISPUTES LIKE I asked -- - no, LIKE ITS THEIR JOB -- i get ANOTHER email from them. On XX/XX/XXXX, they sent me this the same email : " 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 precautionary measure, we have not taken any action on your alleged request.. '' It is clear this bureau does not care about providing and maintaining accurate records. There is no reason they can not verify that I am the one making these disputes when I HAVE EVEN SUBMITTED MY IDENTIFICATION. If they don't feel like doing an investigation, they should just say that instead of acting like someone else cares enough to dispute in my name. I had to ask them one XX/XX/XXXX to take my disputes seriously, and to verify my identity if they ever needed to. Which is such a shame because WHY DO I HAVE TO BE THE ONE TO ASK THEM TO JUST DO THEIR JOB??? If experian isn't investigating an disputes or inaccuracies, how credible can it be as a bureau??? Why are financial decisions about my future being made because of what Experian says about me? Experian doesn't even care if they report the truth or not. They would rather just keep the inaccurate information on your report than go through the trouble of actually investigating. Experian is not a credible source and I am so sick of creditors acting like Experian is the decision maker of someones creditworthiness. I'm so sick of this back and forth with experian constantly going the same way over and over and over again.

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