Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Failure of the Credit Bureaus to Perform a Proper FCRA Investigation Under FCRA 1681i, credit reporting agencies must : Conduct a reasonable reinvestigation, Review all evidence provided by the consumer, Forward all relevant information to the furnisher, Delete or correct information that can not be verified. 
The bureaus actions did not meet these requirements. 
They failed to provide : Documentation used to verify the accounts Explanation of the methods and procedures used Any verification from the furnishers containing my signature Proof that the furnishers actually reviewed anything The bureaus simply relied on automated responses ( A-CDV results ), which is not a reasonable investigation as required by FCRA.

2. Demand for Verification Documents from Each Bureau I am requesting the CFPB compel Equifax, Experian, and TransUnion to provide : A. Method of Verification ( MOV ) Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I am entitled to : The method and procedure used to verify the accounts The name and contact information of the person they contacted Copies of all documents the furnisher provided to verify the information None of the bureaus provided this.

B. Complete Verification Evidence For each disputed account, require the bureaus to obtain and provide : Original application or contract with my wet signature, or an authenticated electronic signature audit trail Chain of assignment / bill of sale ( for XXXX XXXX XXXX ) and XXXX XXXX XXXX and XXXX bank. 
Proof the furnisher has legal right to report under FCRA A simple verified accurate notation is not evidence. 
3. Furnishers Failed to Provide Legally Required Verification XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX failed to produce : Contract Signature Ownership documents Authorization to report or collect Without documentation, the information can not be legally verified, and the bureaus violated : FCRA 1681i ( a ) ( 5 ) must delete unverifiable information FCRA 1681e ( b ) must maintain reasonable procedures to assure accuracy FCRA 1681i ( a ) ( 1 ) must reinvestigate thoroughly 4. Request for CFPB Enforcement Action I am requesting that the CFPB : Require Equifax, Experian, and TransUnion to conduct a proper reinvestigation ; Require the bureaus to obtain and provide actual evidence, not automated results ; Compel the furnishers to produce the required documentation ; Delete the accounts immediately if no documentation can be produced. 
These accounts remain on my credit file without being properly verified, causing ongoing harm. 
5. Certification I certify that the statements made are true to the best of my knowledge. 
I request written confirmation when this matter is reopened and re-investigated. 
Respectfully, 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