Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
Additionally, I submitted a complaint to CFBP on XX/XX/year>, complaint id # XXXX the complaint is attached. Experian responded with to the CFPB by stating, " The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. '' This is a downright lie and a violation of the FCRA. The case was dismissed on XX/XX/year>. Please see attached dismissal document from the court, and also emails from their attorneys stating the case was closed. Once again this is another sham investigation from Experian that was highlighted by CFPB in their current lawsuit against Experian. The issues that were raised in the dismissed litigation was completely different than the issues pertaining to this complaint, Experian has the obligation to respond to this complaint. 

COMPLAINT : XX/XX/year> VIA CERTIFIED MAIL & CFPB ELECTRONIC SUBMISSION Experian XXXX XXXX XXXX XXXX, TX XXXX Re : CFPB Complaint XXXX Request for Verification Methods & Documentation Under FCRA 611 Dear Sir/Madam : Regarding the above-referenced CFPB complaint and Experian 's response dated XXXX XXXX XXXX While I acknowledge your response, it fails to provide specific information required under the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] and 611 ( a ) ( 2 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) ], we hereby demand detailed information regarding your reinvestigation methods for the following accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX For each account listed above, provide : 1. Specific Verification Methods : - Detailed description of procedures used to verify accuracy - Copies of all automated dispute verification ( ACDV ) forms - Methods used to transmit dispute information to furnishers - Protocols followed to evaluate furnisher responses 2. Documentation : - All documents reviewed during reinvestigation - Communications between Experian and furnishers - Internal notes and records related to the investigation - Copies of supporting documentation provided by furnishers 3. Personnel Information : - Names and titles of Experian employees who conducted the reinvestigation - Contact information for relevant personnel at furnishing institutions - Names of individuals interviewed during the investigation process 4. CFPB Compliance : In light of the CFPB 's recent enforcement action against Experian regarding inadequate dispute investigations, confirm : - Whether the reinvestigation procedures used comply with the CFPB consent order - What specific changes have been implemented to address CFPB 's findings - How this investigation differs from practices cited in the CFPB action Your generic response stating that furnishers " verified '' the information is insufficient under FCRA 611 ( a ) ( 7 ), which requires a description of the specific procedures used. The recent CFPB action against Experian highlighted systematic failures in dispute investigations, raising serious concerns about the adequacy of your verification methods. Please provide the requested information within 15 business days. Failure to provide a detailed response may constitute a violation of FCRA 611 and could result in additional legal action. This letter serves as formal notice under FCRA and preserves all rights and remedies available to our client under federal and state law. Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX Enclosures : - Original CFPB Complaint - Experian Response Letter - Account Documentation

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