Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am having a dispute issue with Experian. The latest issue that I'm having is a dispute that involves a particular case in a public record with a bankruptcy reported and listed on credit report. My reason is foe Experian to provide proof from the court of this public record because I don't recognize some of the information and to dispute and via certified letter along with other items to dispute on XX/XX/year>, it was hand delivered to the person representative agent at the credit bureau physical address. I made a phone call with Experian today on XX/XX/XXXXXXXX XXXX XXXX XXXX. And the representative told me that they have the dispute and she was looking at my certified letter of the dispute and Experian did not file the dispute as I requested. Her reason is that she didnt know why it was not disputed along with the other items that were disputed. This representative from Experian tried to get me to dispute over the phone with her, and I explained to her that I did not want to do that because clearly, I have a dispute request already that exist since the other accounts in the certified letter and that should have already been in dispute process along with the other items. This conversation was recorded. Experian sent me an important notice to my email on XX/XX/year> at XXXX XXXX Experian in this letter, stated that their role in the dispute process is to review the accuracy and complete any disputed item which may include contacted the furnisher to get other information from the vendor that they collected the source information from that added public record source and notifying them of the dispute and disclosing all relevant information regarding my dispute, and they also stated in this letter that the item I disputed to report that back within 30 days of the date that they received it. They also went on to stay in this letter to help resolve the dispute. They will review all relevant information to the furnisher and if they were unable to resolve the issue or if it is inaccurate incomplete and if it can not be verified then they will then delete or modify the information. And also, they went on to state in a sentence if we do not receive a response from the furnisher or a vendor within a required. We update the item as you have requested and delete the information and send me the results. Given the fact that I spoke with them today and they told me that they did not send the dispute out to the furnisher of this information. I feel that according to the Fair Credit Reporting Act ( FCRA ), they have violated the process to do so, and fairness with me in this dispute process. The ( FCRA ) aims to ensure the accuracy, fairness, and privacy of consumer credit information. The FCRA also establishes consumer rights related to their credit reports, including the right to access, dispute, and correct information This is why I am doing this complaint against Experian because they have violated my rights with the Fair Credit Reporting Act ( FCRA ) because they are not doing their due diligence, Experian is not making its completeness of all disputed items in which to include contacting the furnisher with the public record reporting. In my opinion and from what I am experiencing with Experian, it seems that they are hiding something, but refusing to dispute this XXXX item that I requested on my public record in my credit report with them. I want to have this public record disputed and investigated with Experian. 
In the past dispute experience with Experian what they want you do is have you to directly do a dispute with them whether it be on their website/online over the phone and then they do not do a full thoroughly submitted dispute of the results of their dispute process on the item because they will come back in XXXX and less than XXXX days, saying that they completed the dispute and nothing has changed with the item on the report and it stays on there without anything being updated or shows that it was even disputed. This is the reason why I feel like they wanted me to do the dispute over the phone so they can do the same thing that they have done in the past related to this and the reason why they are hesitant about doing this dispute because they want it remain there whether its inaccurate or not entirely disputed or investigated in depth with the furnisher. They are trying their best to keep me down because they do not want to do they way I requested through the certified letter process. They want to do it their way, which is unfair to me because I have a right for it to be done thoroughly with accuracy and completeness by contacting the furnisher and asking that they verify all of the information regarding the items disputed to help resolve the dispute. 
They will review our relevant documents submitted with the dispute and we will forward that information to the furnisher and if they were unable to resolve the issue that is inaccurate incomplete. Given the fact that I spoke with them today and they told me that they did not send the dispute out to the furnisher of this information. This is why I am doing this complaint against Experian and they are not being fair. It seems that they are hiding something, by refusing to dispute this XXXX item that I requested on my public record in my credit report with them via certified mail. 
I can say something very positive about TransUnion in this process because I sent TransUnion the same certification letters the same way as I sent to Experian and TransUnion has been very professional about this. TransUnion sent me an email confirmation that they received it and that they were actually in the process of completing the dispute informing me of that. As a matter of fact, TransUnion sent me an email today, XX/XX/year> completing a follow up with me about my dispute request. They also stated that now it's been XXXX days since they have started the dispute process and that they are still in the process of doing and reaching out to me to let me know that they are working on it and to be on the lookout for the results here whenever they complete the process of the dispute. TransUnion also let me know that they are contacting the other parties on my behalf, and this is something that Experian is not doing in the process with all requested items. They are saying XXXX thing via letter and doing something totally different in this process by not entirely disputing this particular item in this certified letter sent to them.

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