Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint Against Experian for XXXX XXXX with FCRA XXXX XXXX XXXX XXXX to Correct Inaccurate Information From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX -- - Dear CFPB Investigator, I am filing this formal complaint against Experian Information Solutions , Inc. , for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ). 
Below is a summary of each issue I have disputed, how Experian failed to comply, and the specific relief I am requesting. 
-- - # # # 1. Inaccurate Charge-Off XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX. 
- Account Name : XXXX XXXXXXXX - Partial Account # : XXXX - Issue : Experian reports this account as a charge-off with a past due balance of XXXX and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 
- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines . 
-- - Inaccurate Late Payment XXXX XXXXXXXX XXXX XXXX - Account Name : XXXX XXXX XXXX XXXX  - Partial Account # : XXXX - Issue : Experian is reporting a XXXX late payment for XX/XX/XXXX, which is inaccurate. My payment history shows no missed payments, and I provided my bank statement showing timely payment. Experian ignored my evidence. 
- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 1 ) Failure to consider all relevant information - 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting - Demand : Immediate correction and deletion of the 30-day delinquency for XX/XX/XXXX -- - # # # XXXX. Unauthorized Hard Inquiries - Listed Inquiries : - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX [ x ] - Issue : I did not authorize these companies to perform a hard pull. There is no signed application or permissible purpose under 15 U.S.C. 1681b.

- Relevant Law Violated : - 15 U.S.C. 1681b ( c ) ( 1 ) Permissible purpose required - 15 U.S.C. 1681i Failure to investigate and remove unauthorized access - Demand : Immediate removal of all unauthorized inquiries lacking documented authorization.

# # # 6. Sham Investigations : Pattern of Noncompliance I believe Experian is relying on e-OSCAR automated responses, which do not satisfy the reasonable investigation standard under FCRA 1681i ( a ). The CFPBs past lawsuits and consent orders against Experian and the other bureaus for similar behavior indicate a pattern of systemic abuse.

> Reference Case : CFPB vs. Experian, XXXX & XXXX enforcement actions for misleading consumers and failing to conduct proper reinvestigations. 
-- - # # # Requested Relief from CFPB : 1. Investigate Experians sham investigation practices. 
2. Require Experian to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above.

3. Require Experian to provide documentation for any item it claims to verify.

4. Impose appropriate penalties or sanctions for repeated violations.

5. Ensure Experian follows all Metro 2 and CDIA standards, and refrains from unverifiable data reinsertion.

-- - # # # Enclosures Included : - Copy of Experian credit report ( highlighted items ) - Copies of dispute letters submitted to Experian - Screenshots of Experians verified responses - Supporting documentation ( bank statement, ID, utility bill ) -- - Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like Experian disregard their legal obligations and cause harm to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. 
Sincerely,

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