Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SUBJECT : Immediate Dispute : Systemic Failure to Resolve Disputes within FCRA Timelines & Pattern of Unacceptable Procedural Violations This complaint is being filed against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically related to the dispute process and transparency obligations outlined in 15 U.S.C. 1681i ( a ). Below is a summary of the relevant facts : 1 ) XXXX XXXX  Dispute Violation of 30-Day Resolution Requirement and Notice Obligation On XX/XX/XXXX, I mailed a written dispute regarding a XXXX XXXX  XXXXradeline to XXXX  via USPS Certified Mail . The letter was delivered on XX/XX/XXXX, per USPS tracking confirmation ( supporting documents attached ). As of the evening of XX/XX/XXXX, 30 days after receipt, I have received no resolution notification by email or postal mail, in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ). I logged into the Experian dispute portal and confirmed that this dispute is not listed under completed disputes, and Experian provides no visibility into pending disputes on their portal. The only potential match is a placeholder dispute marked Currently unavailable online with no accessible details. This placeholder lacks any written communication, formal outcome, or valid timestamp, and does not meet XXXX obligation under 1681i ( a ) ( 6 ) ( B ) ( ii ) to provide written notice of results.

2 ) Uninitiated Dispute of Self-Reported Insurance Tradeline On XX/XX/XXXX, Experian appears to have initiated and resolved a dispute related to a self-reported insurance account that was auto-added through Experian XXXX. I did not request this dispute, nor was I notified that it was initiated or resolved. If Experian initiated it unilaterally, this suggests manufactured dispute activity without consumer authorization, reminiscent of the allegations in CFPB v. Experian Information Solutions , Inc., Case No. XXXX, in which the Bureau alleged Experian engaged in deceptive practices relating to consumer understanding of credit reporting actions. 
3 ) Sham Disputes XXXX XXXX XXXX  and XXXX XXXX This complaint also incorporates systemic concerns regarding Experians mishandling of prior disputes, including : - CFPB Complaint XXXX ( XXXX ) - CFPB Complaint XXXX ( XXXX XXXX  ) In both cases, the tradelines were returned from dispute with new and worse errors than were originally present. This strongly resembles patterns described in the CFPBs lawsuit, where Experian was accused of furnishing inaccurate dispute results and failing to conduct reasonable investigations. 
4 ) Score Suppression and Model Disparity While not the subject of this complaint, I also reference CFPB Complaint XXXX, in which I documented Experians suppression or improper scoring behaviorwhere an identical event ( conversion of a collection or charge-off to paid/settled ) yielded wildly different score outcomes. Specifically, a lower-dollar item resulted in a major score jump, while a more substantial amount changed to current yielded no score movement, despite occurring within the same modeling window. 
5 ) In contrast with Experian 's failure to meet the 30-day deadline and conducting sham investigations, observations and supporting data indicate that at least one other bureau ( XXXX  ) has begun suppressing or deleting these same tradelines ( XXXX XXXX, XXXX and XXXX XXXX  ) that were disputed there. Though no official confirmation has yet been issued, supporting information showing ongoing suppression and deletion has been received from credit monitoring services like XXXX XXXX, XXXX and XXXXXXXX XXXX monitoring themselves. Other signals include seeming balance drops that align exactly with the amount of these tradelines, odd system artifacts like an XX/XX/XXXX ( XXXX  ) reporting date - a known signal of data deletion and reconciliation failure in credit bureau systems- and CRA-initiated suppression with upstream data aggregators like XXXX. In this context, Experian 's failure to complete reasonable investigations, communicate investigation outcomes and provide written notice of completion is out of alignment with other CRAs and further compounds consumer harm and opacity. This reinforces a concerning patter of Experian operating outside transparent regulatory boundaries while its peers move toward genuine resolution ( if belatedly ).

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