Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
This is a formal follow-up to my original complaint filed with the Consumer Financial Protection Bureau XXXX XX/XX/2025, regarding Experians violations of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681e ( b ), and 1681g. It is now XX/XX/2025. Thirty ( XXXX ) + days have passed, and Experian has not provided any response, investigation results, disclosures, or communication through the CFPB portal or otherwise. This lack of engagement represents a willful failure to comply with their legal obligations under the FCRA and can not be construed as anything but noncompliance. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reinvestigation of any item in a consumers file that is disputed by the consumer, and they must complete this reinvestigation and notify the consumer of the results within 30 days. If the item can not be verified within that period, it must be deleted. I submitted my dispute through the official CFPB complaint system, which confirms my identity and qualifies as formal notice. Experian received this complaint and has not responded at all. Therefore, they are now in direct violation of Section 1681i.

The law also allows a 15-day extension only if new information is provided during the 30-day investigation window. I did not submit any new information after filing my complaint, meaning no extension applies. Since the 30-day period has elapsed with no reinvestigation, no deletion, and no contact, the disputed item must be removed immediately as required by law.

In addition, Experian continues to violate Section 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information in credit reports. Experian has failed in this obligation by allowing the inclusion of a fraudulent {$13000.00} student loan account from the Department XXXX XXXX into my credit filean account that does not belong to meand by reporting multiple unauthorized disputes that I did not initiate or consent to. I clearly stated that I only recognize two Department of Education loans, and that the third account is inaccurate. Despite this, the false entry remains on my credit report, harming my financial standing and distorting my credit profile. 

Additionally, under 15 U.S.C. 1681g, I am legally entitled to full disclosure regarding how the disputed accounts and unauthorized dispute flags were added to my credit report, including details of the submission method, associated IP addresses, and any third-party involvement. Experian has not fulfilled this obligation or provided any such disclosures.

The lack of response, failure to correct the record, and refusal to provide the required information severely undermine consumer trust and demonstrate an unacceptable disregard for federal law and consumer rights. This silence from Experian is not a clerical oversightit is a failure to comply with federal consumer protection law and should be treated as willful noncompliance under 15 U.S.C. 1681n. I reserve the right to pursue statutory damages of up to {$1000.00} per violation, as well as actual damages, emotional distress damages, and punitive damages. I also reserve the right to pursue legal action with the assistance of counsel, and I am currently documenting this matter in full in preparation for that step.

I respectfully request the CFPB escalate this matter internally, given the complete absence of a timely response from Experian. This is no longer a routine disputeit is a legal and procedural failure that has now persisted beyond the 30-day limit set by Congress. I also request that the CFPB ensure Experian complies with its statutory duties by immediately removing the inaccurate {$13000.00} XXXX account, removing all unauthorized dispute notations from my credit file, disclosing the source and submission details of each disputed item, and reviewing my credit file for evidence of file contamination or unauthorized third-party access. I also reiterate my request for Experian to issue a 12-month fraud alert on my credit report and provide one year of complimentary credit monitoring as restitution for the harm already suffered.

The CFPB serves a critical role in ensuring that consumer rights are protected and that credit reporting agencies are held to their legal obligations. I am relying on that function now and request that this complaint be treated with the urgency and seriousness it deserves.

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