Consumer complaint received 2025-11-19 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:
In XX/XX/year>, I mailed a detailed written dispute to Experian identifying multiple inaccuracies on my credit report, including numerous late-payment notations that I believe to be inaccurate. These late-payment disputes affected several accounts : my two separate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked Experian to verify these derogatory notations with actual billing statements, payment histories, and posting records from the furnishers. Instead of verifying any of these entries, Experian ignored all of the substance of my dispute and left every single late-payment notation unchanged. 
The two XXXX XXXX accounts were not disputed as duplicates, I disputed the late payments, which I specifically requested verification for. Experian did not provide any documentation from XXXX XXXX, did not show any evidence that the late payments were verified, and did not explain how they determined the information to be accurate. Experian simply added the automated comment investigation complete, verified by furnisher, even though there is no evidence that the furnishers provided any actual verification materials. 
The same issue occurred with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I disputed the late payments and requested verification of the underlying billing statements and payment-posting histories. Experian ignored these requests and did not provide any proof to substantiate the late payments. The XXXX XXXX account also continues to show contradictory information, one part of the report says paid/closed never late while another section shows 1 late payment. Experian ignored my dispute about this contradiction entirely. 
Experian also ignored my dispute regarding the XXXX account, which still shows nearly 30 consecutive months of negative reporting and a charge-off without any supporting documentation, such as a signed agreement, payment history, charge-off details, or the date of first delinquency. 
Additionally, Experian failed completely to address my dispute about unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Experian to provide documentation showing a permissible purpose under FCRA 604, and they ignored that request entirely. All six unauthorized inquiries remain on my credit report with no explanation and no verification. 
Experian originally sent me a stall letter stating that my dispute did not appear to have been sent by me, even though I personally mailed it. I then sent a certified dispute on XX/XX/year>XXXX  with ID and proof of address. Despite this, Experian still ignored all of my investigation requests. Their CFPB response dated XX/XX/year> was a generic closed with explanation '' template that did not address any of my actual concerns, did not provide the Method of Verification, and did not provide the source documents used in verification. 
My most recent Experian report ( dated today ) shows that none of the disputed late payments, inquiries, or other inaccurate information was corrected. Experian did not conduct a reasonable reinvestigation under FCRA 611 and did not provide the documentation required under 609 and 611. For these reasons, I am filing this supplemental complaint.

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