Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has repeatedly refused to investigate my disputes for the following accounts, even though I have been disputing them for over 90 days : Late Payments XXXX XXXX XXXXXXXX Acct # XXXX {$28.00} Late Payment XXXX XXXX  Acct # XXXX {$150.00} Late Payment Charge-Offs : XXXX XXXX XXXX XXXXXXXX {$220.00} Charge-ofXXXX XXXX XXXX XXXX Acct XXXX XXXX {$920.00} Charge-off Inquiries ( Unverified ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian has sent me multiple emails and letters saying that my disputes would not be processed because they did not come from me. That is completely false. Every dispute was filed directly by me, and I attached my drivers license, Social Security card, and proof of address with every dispute round. 
Experian has placed fraud alerts, blocks, and identity holds on my file without my consent. I am requesting that ALL of them be removed immediately. I never claimed identity theft, and I never authorized any third-party company.

Experians behavior is 100 % a stall tactic to avoid reinvestigating. And just so Experian is fully aware : the FCRA dispute clock still runs. Onc
e you received my disputes, the 30-day investigation period began. Sending identity stall letters does NOT pause or restart your time. It is now well past 90 days, and Experian has failed to provide even one page of meaningful verification. The only thing you provided was a copy of my credit report which is not verification under FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), or Metro-2 guidelines .

I also want to make it very clear that I am aware of how the e-OSCAR system works and based on your responses, Experian did not perform ANY real investigation. These are auto
mated denials, not reinvestigations, and this is the same conduct Experian has been sued for before. If Experian can not handle disputes, Experian may want to hire real staff instead of continuing to violate federal law.

To legally verify a late payment, Experian must obtain : Exact payment due date Date the payment was received Date the payment was posted Full payment ledger Billing cycle history DOFD Metro-2 compliant coding for each month Experian provided none of this violating : FCRA 1681e ( b ) FCRA 1681i ( a ) FCRA 1681s-2 ( b ) Metro-2 standards Experian must obtain from the furnisher : Original signed contract Full payment history Itemized balance/charge-off calculation Complete ledger Proof of ownership / assignment DOFD Metro-2 compliance None of this was provided.

Sending a credit report is NOT verification.

Violations include : FCRA 1681i ( a ) FCRA 1681e ( b ) FCRA 1681s-2 ( b ) Metro-2 standards Experian must provide : Who accessed my credit The permissible purpose The written authorization The date/time of the pull Identity of the accessing entity I received none of this.

Under FCRA 1681b and 1681e ( b ), these inquiries are unverified and must be removed.

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