Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
Response to Experians XX/XX/XXXX CFPB Complaint Closure Complainant : XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX, IL XXXX Case ID : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to Experians Closure and Failure to Lawfully Investigate I respectfully disagree with Experians response and the closure of this complaint. Experians reply failed to provide adequate documentation, proof of verification, or lawful justification under the Fair Credit Reporting Act ( FCRA ) for continuing to report the fraudulent tradelines disputed in my complaint. The companys explanation is conclusory and fails to meet its statutory duties under 15 U.S.C. 1681i, 1681e ( b ), 1681c-2, and related regulations.

1. Failure to Produce Verification or Supporting Documentation Experian states that it contacted furnishers who verified the disputed information, but it has failed to provide any documentary evidence demonstrating that such verification occurred. The FCRA, 611 ( a ) ( 6 ) ( B ) ( iii ), requires that upon request, a consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher contacted. Experian has not fulfilled this duty. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ), held that merely parroting information from furnishers without independent verification does not satisfy the reasonable reinvestigation requirement under 1681i. 

2. Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to Block Identity Theft Accounts Experian was provided with an FTC Identity Theft Report and supporting documents identifying the XXXX, XXXX, and XXXX accounts as fraudulent. The statute mandates that a CRA must block such information within four ( 4 ) business days of receiving proper identity theft documentation. Experian failed to do so and instead allowed the accounts to remain, sometimes marked verified as accurate. This constitutes a willful violation under 1681n and a negligent violation under 1681o of the FCRA.

3. Violation of FCRA 607 ( b ) Lack of Maximum Possible Accuracy Experian continues to report inaccurate information despite repeated notice. Under 607 ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy. Experians overreliance on the e-OSCAR system for automated verificationwithout obtaining original applications, wet signatures, or account-level datafails this standard. 
Supporting Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

4. Discriminatory and Retaliatory Delay Experians handling of my dispute exhibits retaliatory delaya pattern of labeling ongoing disputes as verified or duplicate when they involve new reporting or updates from furnishers. This obstructs my ability to exercise my rights under the FCRA and is discriminatory under 12 C.F.R. 1002.9 ( Regulation B ), particularly as it affects access to credit and housing opportunities. 

5. Harm Suffered - Denials of housing and banking applications - Emotional distress and time lost due to repeated reinvestigations - Damage to financial reputation and standing Requested Action 1. Immediate deletion of the following fraudulent or unverifiable tradelines : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Department of Education accounts- XXXX XXXX accounts 2. Production of all verification materials used in Experians reinvestigation, including copies of correspondence and data received from furnishers.

3. Written confirmation that Experian has conducted an independent reinvestigation, not merely a repetition of data furnished through e-OSCAR. 

4. Statutory and punitive damages under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

5. Referral for CFPB enforcement review to address Experians systemic failure to comply with FCRA 605B and 611. 


Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, IL XXXX

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