Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) Violation : Failure to Complete Dispute Investigation To Whom It May Concern : I am filing this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), due to their repeated failure to complete and report the outcome of my disputes regarding the fraudulent and inaccurate reporting of XXXX and XXXX accounts on my Experian credit file. 
Dispute Background On XX/XX/XXXX, I submitted disputes through Experian regarding the following accounts, all of which I have repeatedly contested as fraudulent and/or inaccurately reported : - XXXX XXXX XXXX XXXX  Account Number : XXXX - Balance : {$7900.00} - Status : Charged off, reported as fraud by consumer - XXXX XXXX XXXX  - Account Number : XXXX - Balance : {$35000.00} - Status : Charged off, reported as fraud by consumer - XXXX XXXX XXXX  - Account Number : XXXX - Balance : {$93.00} - Status : Charged off, reported as fraud by consumer - XXXX XXXX XXXX Account Number : XXXX  - Balance : {$9700.00} - Status : Charge-off All supporting documentation was provided, including an FTC Identity Theft Affidavit and detailed explanations of why these accounts are not mine or are otherwise incorrectly reported. 
Experians FCRA Violation After the statutory window ( over 30 days from my disputes ), I received a dispute finalization report from Experian dated XX/XX/XXXX. This report continued to show the above accounts as pending or in progress, rather than providing a completed investigation or a written, final outcome. 
This is a direct v

iolation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ), which require : - Experian must complete a reasonable reinvestigation within 30 days. - Experian must provide written notice
of the resultsnot leave items in a permanent or indefinite pending status. 
Impact Because Experian has failed to complete my investigation and provide the required result, the disputed and fraudulent information remains on my credit report, damaging my credit, interfering with my access to credit, and violating my legal rights. 
Relief Requested I request that the CFPB : 1. Investigate Experians failure to complete dispute investigations within the required timeframe and failure to provide a completed written result as required by law.

2. Order Experian to immediately issue final, written results for my disputes regarding XXXX XXXX ( all accounts listed above ) and XXXX XXXX  ( XXXX ), as required by FCRA. 
3. Direct Experian to remove any unverified, incomplete, or fraudulent information as required under FCRA 611 ( a ) ( 5 ).

4. Consider enforcement action due to the systemic nature of these violations.

Supporting Documents Attached are my original disputes, FTC Identity Theft Affidavit, and the XX/XX/XXXXXXXX  Experian dispute report showing these accounts as pending. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Phone : XXXX Email : XXXX 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