Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
This complaint details a new, distinct, and egregious FCRA violation by XXXX, specifically their failure to provide proper verification of disputed accounts and their subsequent faulty investigations. This is separate from any prior filings concerning account accuracy and addresses a fundamental breach of my consumer rights. 

On XX/XX/year>, I sent a formal Method of Verification ( MOV ) request via certified mail to XXXX  [ cite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. This letter explicitly demanded 'the name and contact information of the furnisher, the method used, and copies of any documentation you relied upon " to verify disputed accounts. 

Despite this clear and legally mandated request, XXXX  failed to provide any of the requested Method of Verification details in their subsequent dispute results or communications. Instead, their responses merely stated items were 'verified as accurate ' or 'no change needed ' without offering any transparency or documentation of how this verification was conducted or what specific documents were relied upon. 

This failure is evident in their latest report ( XX/XX/year> ) [ cite : XXXX  ] and dispute results for the following accounts : XXXX XXXX  ( # XXXX ) : XXXX  reports this account as 'Charge Off " [ cite : XXXXXXXX XXXX  XXXX ]. Despite my disputes, XXXX  has failed to provide MOV details to substantiate its accuracy or the method of its verification. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) : XXXX  reports this account as 'Pays As Agreed ' [ cite : XXXXXXXX XXXX XXXX ]. This account was previously deleted and then re-inserted. XXXX  has failed to provide MOV details for its re-insertion and continued reporting. 

XXXX XXXX, XXXX ( # XXXX XXXX ) : XXXX  reports this as 'Charge Off " [ cite : XXXXXXXX XXXX XXXX ]. Despite my disputes regarding payment history manipulation, XXXX  has failed to provide MOV details. 

XXXX XXXX XXXX XXXX ( # XXXX ) : XXXX  reports this as 'Account closed ; was XXXX Days Past Due " [ cite : XXXXXXXX XXXX  XXXX ]. XXXX has failed to provide MOV details to substantiate this status. 

XXXX, XXXX ( # XXXX ) : XXXX  reports this as 'Charge Off " [ cite : XXXXXXXX XXXX XXXX ]. This account has conflicting payment histories across bureaus and was re-reported with a new derogatory mark by XXXX after it was sold. XXXX  has failed to provide MOV details. 

XXXX XXXX XXXX Unsecured Loan ( # XXXX ) : XXXX  reports this as 'Charge Off " [ cite : XXXXXXXX XXXX XXXX ]. This account was also recently re-opened without authorization. XXXX  has failed to provide MOV details. 

XXXX XXXX XXXX Secured Card ( # XXXX ) : XXXX  reports this as 'Charge Off " [ cite : XXXXXXXX XXXX XXXXXXXX ]. This account was unilaterally closed. XXXX  has failed to provide MOV details. 

XXXX ( # XXXX ) : XXXX reports this as 'Pays As Agreed ' [ cite : XXXXXXXX XXXX XXXX ]. XXXX  has failed to provide MOV details. 

This constitutes a direct and willful violation of 15 U.S.C. 1681i ( a ) ( 7 ), which explicitly requires a consumer reporting agency to provide such information upon request. This failure to provide MOV details demonstrates a profound disregard for their duty to conduct a reasonable reinvestigation and assure maximum accuracy, causing immediate, measurable harm by maintaining unverifiable information on my credit report. If any human that reads this and allows no change, they are intentionally ignoring my undeniable proof of these violations and writing the law as they see fit.

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