Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian via written notice and CFPB Complaint # XXXX. The dispute identified four specific entries on my credit report that I believed to be inaccurate, incomplete, or unverified. I invoked rights under the Fair Credit Reporting Act ( FCRA ) and requested a lawful reinvestigation and full verification of the following accounts : - XXXX XXXX XXXX ( Account ending in XXXX ) : Disputing joint account status ; requested documentation verifying liability, a signed credit agreement, and a full payment history. 

- XXXX XXXX XXXXXXXX ( Account ending in XXXX ) : Requested full accounting, debt validation, and confirmation of balance accuracy. 

- XXXX Bankruptcy XXXX XXXX XXXXXXXX ( Ref # XXXX ) : Requested verification with the court to confirm accuracy and legitimacy of the public record. 

- Public Record ( Ref # XXXX ) : Requested verification from the original source of the public record ; removal if unverifiable. 

The letter included legal citations to FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ), 611 ( a ) ( 7 ), and 607 ( b ), and requested that Experian provide : - All documentation used to verify each item, - The method of verification for each tradeline, and - The names, addresses, and phone numbers of the furnishers contacted, per 611 ( a ) ( 7 ).

Experian responded on XX/XX/year>, with a generic letter stating that the accounts had been " verified. '' However, the response failed to include any of the requested documentation, failed to explain the method of verification, and did not identify any data furnishers. No evidence was provided that a reinvestigation was actually conducted in response to the XX/XX/XXXX dispute. This indicates that Experian either relied on prior unverifiable data or failed to fulfill its statutory reinvestigation duties. 

Experian did not comply with its obligations under the Fair Credit Reporting Act in responding to my XX/XX/year>, dispute and CFPB complaint. 


FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 6 ) : Requires notification of reinvestigation results within 5 days of completion.

FCRA 611 ( a ) ( 7 ) : Requires CRAs to disclose the method of verification and identity of the furnisher upon request.

FCRA 607 ( b ) : Requires CRAs to maintain reasonable procedures to ensure maximum possible accuracy of information. 


Despite receiving a dispute clearly invoking federal law and accompanied by a CFPB complaint, Experian failed to produce any documentation or procedural explanation, did not identify the furnishers contacted, and did not verify the information using original source materials. These omissions violate each of the above-cited statutory provisions. 


Experian is now in material noncompliance with the FCRA. Their XX/XX/XXXX response is inadequate under 611 and 607, and the continued reporting of the disputed tradelines without proper verification constitutes a legal violation. I am requesting the CFPB direct Experian to either provide proper documentation and procedural disclosuresor delete the disputed tradelines from my credit report in accordance with federal law.

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