Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
I filed a dispute with Experian regarding an inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a reasonable reinvestigation and delete any information that can not be properly verified. 

Experian responded by stating that the account was " verified '' but failed to provide any tangible proof that a real investigation took place. According to FCRA 15 U.S.C. 1681i ( a ) ( 7 ), I have the legal right to request the method of verification ( MOV ) used to verify the disputed information, including : A detailed description of the verification process. 
The name, address, and contact information of the furnisher who verified the account. 
Copies of any original documentation used to verify the accounts accuracy. 
Experian has refused to provide this required information, violating my consumer rights under the FCRA. Their failure to conduct a proper investigation and reliance on an automated e-OSCAR system instead of obtaining real documentation constitutes willful noncompliance with federal law. 

Violations of Federal Law ( FCRA ) & Monetary Remedies 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to Remove Unverified Information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to Provide Method of Verification ( MOV ) 15 U.S.C. 1681n Willful Noncompliance with the FCRA ( Entitles Consumer to Statutory and Punitive Damages ) In addition to my personal experience, it's noteworthy that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. On XX/XX/year>, the CFPB filed a lawsuit alleging that Experian conducted " sham investigations '' into consumer disputes, failing to properly address inaccuracies in credit reports. The CFPB 's complaint highlights that Experian 's inadequate procedures and failure to correct errors can significantly harm consumers ' access to credit, employment, and housing. 

This federal action underscores the severity of Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ) and reinforces the legitimacy of my complaint. Given that the CFPB is actively pursuing legal remedies against Experian for these violations, I urge the Consumer Financial Protection Bureau to consider my individual case within this broader context of enforcement. 

I request that the CFPB take into account both the systemic issues identified in their lawsuit and the specific harms I have suffered due to Experian 's failure to accurately report and verify information on my credit report. A fair resolution would include the immediate deletion of the disputed account, full monetary compensation for damages, and assurances of compliance with the FCRA to prevent future occurrences.

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