Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian, I am writing to demand the immediate removal of the following items from my credit report, as they remain unverified, and your company has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Virginia state consumer protection laws.

Repeated Violations & Failure to Investigate Timely Experian failed to conduct a lawful reinvestigation within the FCRA-mandated 30-day period. Instead, you responded 61 days later, well beyond the time limit provided by FCRA 1681i ( a ) ( 1 ) ( A ). This delay is a clear violation of federal law. 

Despite my repeated requests for documentation or evidence of how the items were verified, Experian continues to provide only generic verified statements without offering any supporting documentation or method of verification, as required under FCRA 611 ( a ) ( 7 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to Meet Legal Standards in Response to CFPB Complaint In your most recent response to my XX/XX/year> CFPB complaint, you again failed to provide any actual documentation or proof from data furnishers to substantiate the disputed items. Instead, you claimed the furnishers " verified '' the information but did not disclose : How it was verified, What documentation was used, or Any direct contact information for the furnishers. 

This response fails to satisfy FCRA requirements. Moreover, Experian improperly shifts the burden of verification to me, the consumer, by instructing me to contact furnishers directly. According to FCRA 1681i ( a ) ( 2 ), the obligation to conduct a reasonable investigation lies with the credit reporting agencynot the consumer.

Your failure to provide any documentation or evidence confirms that no independent, reasonable investigation was conducted. These systemic deficiencies mirror those identified in the CFPBs recent lawsuit against Experian, which highlights patterns of noncompliance and consumer harm. 

Disputed Items Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of Consumer Protection Laws FCRA 1681i : Failure to conduct a timely and reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 7 ) : Failure to provide a description of the procedure used to verify the disputed information.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 6 ) : Continued reporting of information that can not be verified.

FCRA 1681i ( a ) ( 4 ) : No documentation or method of verification provided to the consumer.

FDCPA 807 ( 8 ) : Re-aging of delinquent debt to extend the reporting perioddemanding written confirmation this has not occurred.

UDAAP : Your failure to respond adequately and your generic verifications constitute unfair and deceptive practices under federal law. 

Virginia State Law Violations Virginia Consumer Protection Act ( 59.1-196 et seq. ) : Deceptive reporting and improper handling of disputes. 

Virginia Equal Credit Opportunity Act ( XXXX et seq. ) : Mishandling disputes and potentially discriminatory credit practices. 

Virginia Debt Collection Act ( XXXX et seq. ) : Improper reporting and debt handling practices. 

Actions Demanded Given the above violations, I demand : The immediate deletion of all items listed above. 

Written confirmation of their removal within 15 days of receiving this letter. 

Failure to comply will result in : Filing additional complaints with the CFPB, FTC, and the Virginia Attorney Generals Office.

Seeking civil damages under the FCRA, FDCPA, UDAAP, and applicable state laws.

Pursuing legal action including claims for statutory damages, actual damages, attorneys fees, and costs.

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