Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i and 1681c-2regarding inaccurate information on my credit report. 

Summary of Issue : I have disputed incorrect information on my credit report three times with Experian. With each dispute, I included : - A valid dispute letter outlining the inaccuracies - A copy of my government-issued ID ( drivers license ) - A copy of my Social Security card - A recent utility bill clearly showing my name and current address Despite fully verifying my identity each time, Experian continues to send generic template letters stating they are unable to process the dispute without further identity verification. They never address the actual dispute. This is a clear stall tactic and a violation of my rights. 

The first dispute letter was sent on * * XX/XX/XXXX * *, followed by additional letters on * * XX/XX/XXXX * * and again on * * XX/XX/XXXX * *. Each time, I included the same identifying documentation, and each time, Experian responded with a generic letter requesting further verification without acknowledging or investigating the dispute. 

Legal Violations : Experian is in violation of the following FCRA statutes : 15 U.S.C. 1681i Procedure in case of disputed accuracy - Requires a consumer reporting agency to conduct a reasonable reinvestigation within 30 days after receiving a dispute from a consumer along with proper documentation. 
- Experian is failing to investigate and respond meaningfully, despite my multiple verified attempts. 

15 U.S.C. 1681c-2 Block of information resulting from identity theft - While this section addresses identity theft, the spirit of the law supports that verified disputes must be investigated and resolved, especially when a consumer provides documentation. 
- Experians repeated refusal to act constitutes willful negligence or recklessness, possibly rising to willful noncompliance under 1681n, making them liable for actual and punitive damages.

15 U.S.C. 1681s-2 ( b ) Responsibilities of furnishers of information - Once a dispute is received by a credit bureau , the furnisher must investigate and correct or delete inaccurate information. That process is never initiated if Experian fails to forward the dispute properlywhich is what's happening here. 

Additional Concerns : When I called Experian, representatives pressured me to initiate a dispute over the phone, despite my clear request for a paper trail. I refused, as phone disputes do not preserve key legal protections or evidence under the FCRA. This appears to be another tactic to discourage valid disputes and limit consumer rights. 

Request for Relief : I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene and enforce the FCRA by compelling Experian to : 1. Immediately investigate the disputed information.

2. Remove or correct any information that can not be verified within 30 days, as required by law.

3. Stop sending template letters demanding repeated identity verification after valid proof has already been provided.

4. Provide a written explanation of findings after the investigation.

5. Preserve all communication via mail or written format to ensure proper documentation.

This situation is causing unnecessary damage to my credit profile and emotional distress due to Experians non-compliant practices. I am prepared to take further legal action under 15 U.S.C. 1681n and 1681o if these violations are not corrected.

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