Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in receipt of your response to my CFPB complaint dated XX/XX/year>, and I am formally addressing your refusal to take action by erroneously claiming the complaint was not directly authorized by me. This assertion is both baseless and clearly an attempt to stall the reinvestigation process, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

1. Verification of My Direct Authorization and Supporting Documents Let me be clear : this complaint was indeed submitted directly by me through the CFPB Complaint Portal. The CFPB requires identity verification before a complaint is filed, thereby confirming the complaints authenticity and authorization.

Furthermore, I provided a copy of my government-issued ID and proof of address along with my dispute. While certain personal information was redacted for privacy purposes, the documents clearly and sufficiently verify my identity. Your claim of being unable to verify my authorization is entirely without merit and appears to be a deliberate attempt to avoid fulfilling your legal obligations.

2. FCRA Violations and Failure to Meet the Legal Deadline Pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you were required by law to conduct a reasonable reinvestigation of the disputed information and provide a response within 30 days of receiving my initial dispute. You failed to do so.

Instead, you only responded five days after I filed my CFPB complaint, demonstrating a clear lack of due diligence and failure to comply with the FCRAs reinvestigation timeline. This delayed response is further evidence of poor investigation practices and a blatant disregard for my consumer rights.

3. Obstruction of My Consumer Rights Your attempt to dismiss my complaint by falsely claiming it was not authorized by me is a deliberate stall tactic. I have already provided all necessary documentation, including ID and proof of address, making your demand for additional verification redundant and unnecessary.

According to the FCRA, I am not required to repeatedly submit identifying documents to exercise my right to dispute inaccurate information. Your refusal to act on my original dispute and your subsequent stalling tactics constitute willful noncompliance with the FCRA.

4. Immediate Demand for Resolution Since you have already exceeded the 30-day legal deadline, I am demanding that you : Immediately remove or correct the inaccurate information from my credit report.

Provide a written confirmation of the correction without further delay.

Cease any further attempts to obstruct or stall the reinvestigation process.

5. Legal Consequences for Noncompliance If you fail to take immediate corrective action, I will pursue legal remedies, including : Filing a lawsuit for willful noncompliance with the FCRA.

Seeking statutory damages of up to {$1000.00} per violation, plus punitive damages, attorneys fees, and court costs under 15 U.S. Code 1681n.

You have already failed to meet your legal obligation within the required timeline. Therefore, no further delays will be tolerated. I expect an immediate correction of the inaccurate information on my credit report and a written confirmation of the same.

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