Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Formal Complaint to the U.S. Consumer Financial Protection Bureau ( CFPB ) : To the CFPB, I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by refusing to investigate and resolve a dispute I submitted regarding inaccurate information on my credit report. This refusal constitutes a clear breach of Experians legal obligations under the FCRA and has caused me significant harm. 

Details of the Violation : On XX/XX/year>, I sent a certified letter ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian containing the following : XXXX. Notarized documentation from XXXX XXXX XXXX XXXX, notarized on XX/XX/year>, verifying the inaccuracies on my credit report. 
XXXX. A copy of my government-issued ID, Social Security XXXX XXXX and a recent utility bill to verify my identity. 
XXXX. A formal request for an immediate investigation into the following accounts, which contain inaccurate information : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  Experian received my dispute on XX/XX/year>, as confirmed by the USPS e-receipt. Under Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable investigation within 30 days of receiving a dispute. However, on XX/XX/year>, Experian informed me that they would not honor my dispute or conduct an investigation. This refusal violates the FCRA, as Experian has until XX/XX/year>, to complete the investigation. 

Legal Violations : Failure to Investigate ( 15 U.S.C. 1681i ) : Experian is required to conduct a reasonable investigation into disputed items and correct or delete inaccurate, incomplete, or unverifiable information. By refusing to investigate, Experian has violated this provision. 
Failure to Provide Proper Notice ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : If a dispute is deemed frivolous or irrelevant, Experian is required to notify me in writing within five business days, explaining the reasons for their decision. No such notice was provided.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. Experians refusal to investigate suggests a failure to adhere to these procedures.

Harm Caused : Experians refusal to investigate these inaccuracies has caused me significant harm, including : 1. Denial of Credit : I have been denied credit opportunities due to the inaccurate information on my report.

2. Higher Interest Rates : The inaccuracies have negatively impacted my credit score, resulting in higher interest rates on loans and credit cards. 
XXXX. Emotional Distress : The stress and frustration of dealing with Experians non-compliance have caused me significant emotional distress.

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