Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this letter to dispute Experians handling of my original complaint submitted on XX/XX/XXXX2025, regarding inaccurate and outdated negative accounts on my credit report. After receiving an interim response and a final update on XX/XX/XXXX 2025, I believe Experian has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Grounds for Dispute : 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ; 15 U.S. Code 1681i ) : Experian stated that it contacted the data furnishers and relied solely on their automated verification responses. This does not constitute a reasonable reinvestigation, as required by law. The FCRA mandates that credit reporting agencies must conduct their own investigation and consider all evidence provided by the consumernot just pass along disputes to furnishers and rubber-stamp their responses.

2. Violation of Duty to Review Relevant Information ( FCRA 611 ( a ) ( 2 ) ( B ) ; 15 U.S. Code 1681i ( a ) ( 2 ) ( B ) ) : The law requires Experian to review and consider all relevant information provided by the consumer in support of a dispute. My supporting documentation, including proof of payment activity and account discrepancies, was not meaningfully addressed in their final response. The language used in their letter indicates a form response and no individual assessment of the facts presented.

3. Failure to Delete Unverified Information ( FCRA 611 ( a ) ( 5 ) ( A ) ; 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) : Experian failed to delete or update the disputed information when it was either not verified within the required timeframe or was returned by the furnisher without proper documentation. This is a clear violation of the FCRA, which requires credit bureaus to delete any item that can not be verified within the 30-day reinvestigation period. 
4. Improper Deference to Furnishers Contrary to Case Law ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) : In XXXX, the court held that a credit bureau can not simply rely on the creditors verification without conducting an independent investigation. Experians response demonstrates that no such independent review was conducted.

Supporting Legal Citations ( you can include these as bullet points in a supporting document upload ) : FCRA Section 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation required.

FCRA Section 611 ( a ) ( 2 ) ( B ), 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) Must consider all relevant information provided by consumer.

FCRA Section 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Must delete information that can not be verified. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Courts require more than a passive relay to furnishers.

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