Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am writing to file an urgent and aggressive complaint against Experian Information Solutions , Inc. for their blatant disregard for their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and their consistent engagement in sham investigations into consumer disputes. The attached CFPB lawsuit further highlights Experians pattern of abuse and negligence, which aligns with my own experience as a victim of their non-compliance. 

Violations Cited 1. Failure to Conduct Reinvestigations in a Timely Manner ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Experian failed to complete reinvestigations of disputed information within the required 30-day window, as mandated by law. This delay directly harms consumers by prolonging the presence of inaccurate information on their credit reports, affecting credit decisions and opportunities. 
2. Failure to Provide Accurate and Transparent Results of Reinvestigations ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) : Experians reinvestigation results are consistently misleading and ambiguous, with outcome letters that fail to identify specific updates or resolutions. These practices are designed to confuse consumers and evade accountability. 
3. Failure to Prevent Improper Reinsertion of Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian routinely allows previously deleted information to be reinserted into consumer reports without the necessary certifications and notifications. This creates a revolving door of inaccurate reporting that undermines consumer rights and trust in the credit reporting process. 

Personal Impact and Context As a victim of these violations, I experienced firsthand how Experians sham investigation processes caused significant harm, including : Prolonged financial damage : The inaccurate information on my report delayed access to credit and other financial opportunities. 
Emotional distress : Experians convoluted reinvestigation outcomes left me without clarity or recourse, further exacerbating my frustration. 
Violation of trust : Experians disregard for its legal obligations and the rights of consumers has eroded my confidence in the credit reporting system. 

Supporting Evidence The CFPBs XX/XX/year> lawsuit ( XXXX XXXX. XXXX ) against Experian outlines numerous examples of their systemic failures, including : Over-reliance on unreliable furnishers Automated Credit Dispute Verification ( ACDV ) responses, even in the face of consumer-provided evidence of inaccuracy. 
Mishandling of disputes by applying inaccurate dispute codes and failing to forward relevant consumer documentation to furnishers. 
A pattern of failing to notify consumers of reinsertion or provide meaningful reinvestigation results. 

These findings reinforce my concerns and demonstrate that Experians behavior is not isolated but part of a broader strategy of non-compliance. 

Resolution Demanded I demand that the CFPB take immediate and decisive action against Experian, including but not limited to : Full investigation : Examine Experians non-compliance with the FCRA and other consumer protection laws as it relates to my specific case. 
Imposition of penalties : Enforce significant fines and penalties to deter future violations. 
Consumer redress : Mandate correction of inaccurate information on my credit report and any others impacted, with written proof of compliance. 

Experians failure to uphold its responsibilities under the FCRA is not only unlawful but a direct attack on the rights and well-being of consumers like myself. I expect a swift and decisive response to ensure justice is served and future violations are prevented.

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