Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
Accounts : XXXX # XXXX | XXXX XXXX XXXX # XXXX | XXXX XXXX XXXX To Whom It XXXX Concern : On XX/XX/XXXX, I mailed a comprehensive dispute to Experian identifying inaccurate, incomplete, and unverified reporting on my file. USPS records confirm receipt by Experian on XX/XX/XXXX ( Exhibit A ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian had 30 days to reasonably reinvestigate and either verify or delete the disputed items. Instead, on or about XX/XX/XXXX, Experian updated the accountsoutside the 30-day windowand did so without providing the required description of the procedures used to determine accuracy. This violates 1681i and 1681e ( b ) ( maximum possible accuracy ). 
Improper Reinsertion After Deletion / Fraud Block Misuse On [ XX/XX/XXXX @ XXXX ] I received an email titled Important Information stating that items previously blocked due to fraud were reinserted, citing generic reasons such as material misrepresentation, you agreed in writing, or that I knowingly obtained goods/services. ( Exhibit B ). This notice is defective and the reinsertion is unlawful : I did not file a 605B identity-theft block for these specific tradelines ( XXXX, XXXX, XXXX ). Your 605B rescission language is inapplicable.

Alternatively, if you contend a 605B block existed and was rescinded, you failed to comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1681c-2 ( c ) ( f ) : You may not reinsert previously deleted/blocked information unless the furnisher certifies the informations accuracy/completeness ( 1681i ( a ) ( 5 ) ( B ) ( i ) ).

Upon reinsertion, you must notify me within five business days and provide the name, address, and phone number of each furnisher responsible ( 1681i ( a ) ( 5 ) ( B ) ( ii ) ). Your email provides no such specific furnisher certification or direct contact details; pointing me to a credit report attachment is not a compliant reinsertion notice.

If rescinding a 605B block, you must have reasonable grounds and provide specific reasons tied to evidence ( 1681c-2 ( c ), ( f ) ). Your notice lists only boilerplate possibilities, not evidence. 


This sequencedelayed update, vague reinsertion notice, and no furnisher certificationdemonstrates a failure to conduct a reasonable reinvestigation ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ) and to maintain procedures for maximum possible accuracy ( 1681e ( b ) ). It has caused me concrete harm while I am caring for my newborn and recovering from a medical procedure. 
Disputed Items ( recapped ) XXXX  # XXXX : Involuntary repossession reporting with inconsistent balance and no original loan verification. 


XXXX XXXX XXXX # XXXX : Repossession reporting with no updated payment history and unclear activity trail. 


XXXX  # XXXX : Closed account continuing to report inaccuracies. 


Method-of-Verification Demand Pursuant to 1681i ( a ) ( 6 ) ( B ) ( iii ), provide a written description of the procedures used in your reinvestigation and the business name, address, and telephone number of each furnisher you contacted, plus copies of the certifications ( if any ) relied upon for reinsertion.

Personal Impact ( for your records ) I recently gave birth and underwent a medical procedure. Instead of focusing on recovery and my newborn, I have been forced to dispute Experians inaccurate reporting, which has created emotional and financial hardship at a critical time.

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