Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
See down below after my current complaint. This is what Experian sent to CFPB on XXXX in response to my CFPB Complaint made ( XXXX ) XXXX My Current Complaint Experian responded well over the limited 30 days, they did not collect the appropriate information from XXXX to justify the legitimacy of reporting XXXX Student Loans. Accounts that were never owned by them, were never applied for through them, and have been discharged by the Department of Education. This {$29000.00} showed up in XXXX after I hadn't had a loan in more than 4 years. XXXX never would explain where that figure came from. I have submitted more than XXXX complaints to XXXX, FTC, XXXX, Credit Bureaus, Dept of Education for years just to be ignored by XXXX and Credit Bureaus who refuse to follow FCRA, UCC Laws. By Law Experian and XXXX have violated many laws. All of XXXX 's reportings on my credit reports are illegal and fraudulent. They must be removed according to 15-USC1681, 18-USC1028, 15-USC-1681 ( O ), 15-USC-1681 ( N ). They have committed Identity Fraud, Wire Fraud ( transmission of false information ), FCRA violations, Consumer Protection Violations, using my personal information unlawfully, Willful noncompliance ( continuing to report false and inaccurate information after multiple disputes submitted on their website, by mail, to the XXXX, FTC, CPFB, XXXX, and Dept of Education for extensive periods of time ( years ). 
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Experian sent this response below to you, the CFPB, but told me over the phone today they can't do anything about XXXX 's reports because they don't have a copy of my driver 's license. Well, they responded here without mentioning my driver 's license. Fact is they were sent a copy of my driver 's license XXXX different ways with the FTC XXXX and each complaint directly to Experian by mail. by upload to their site, with complaints to the XXXX, and Complaints from CFPB. Nothing but false excuses not to uphold Consumer Rights and Federal and State Laws. I should not have to continuously file complaints to make companies adhere to the law and to fight to prevent companies from placing false information against my name and my credit file, defaming my financial records and my name. 

This is what Experian sent to CFPB on XXXX in response to my CFPB Complaint made ( XXXX ) XXXX " Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered theinformation you have supplied through the CFPB portal and directly to Experian. In your complaint, you are requesting to have the listed information removed from your credit report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information and send you the results. In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. ''

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