Consumer complaint received 2025-08-23 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: AR

Complaint narrative:
CFPB Complaint Against Experian Information Solutions , Inc. & XXXX XXXX XXXX Complaint Summary- I am filing this complaint because Experian Information Solutions , Inc. has violated my rights under the Fair Credit Reporting Act ( FCRA ) by refusing to investigate a valid mailed dispute regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXX XXXX XX/XX/year>. 

I submitted my dispute properly, by first-class certified mail, complete with supporting documentation. Tracking records clearly show the letter originated from my city and state ( XXXX XXXX, AR ), directly tying the dispute back to me. Despite this, Experian dismissed my submission with a boilerplate excuse : that the dispute does not appear to have been sent directly by me.

This is not only false, but an egregious violation of FCRA 611 ( 15 U.S.C. 1681i ). My dispute was valid, well-documented, and sent from my verified address, with proof of identity included. Experian had no lawful basis to throw it out. 



How Experian Violated My Rights 1. Failure to Investigate ( 1681i ( a ) ) Experian outright refused to reinvestigate my dispute, despite having all identifying documents and evidence required under federal law.

2. Failure to Ensure Accuracy ( 1681e ( b ) ) Experian continues to allow false data ( the XXXX XX/XX/year> late payment ) to appear on my report, even after being shown clear contradictory evidence from the furnisher.

3. Failure to Forward Evidence ( 1681i ( a ) ( 2 ) ) Experian did not forward my submitted evidence to XXXX, which they are legally required to do.

4. Discriminatory or Arbitrary Practices By rejecting my dispute without basis, Experian acted in bad faith. Was it laziness to avoid a manual review? Or was it bias after reviewing my identification documents and assuming because I am a XXXX XXXX  that I couldnt possibly be this educated about the FCRA? Both explanations are unacceptable, and both point to unlawful misconduct. 



Pattern of Abuse by Experian This is not an isolated incident. The CFPB has already sued and fined Experian in the past for systemic FCRA violations, including failure to properly handle disputes and misleading consumers. If Experian is rejecting valid disputes like mine under the false claim that they were not sent by the consumer, the question becomes : How many consumers have had their disputes illegally dismissed this way? 
XXXX? XXXX? XXXX? XXXX? 

If this practice is widespread, it amounts to a systematic denial of consumer rights a situation warranting a class action lawsuit and urgent CFPB investigation. 

Experian is using this baseless rejection tactic to avoid doing manual reviews of disputes. My case required a human investigator because I submitted evidence showing XXXX contradictions, including written communication where XXXX acknowledged their reporting errors and even agreed to update/remove the late payment. Experian ignored all of it and chose the XXXX  path of dismissing my dispute outright.

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