Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
This is a continuous from CFPB Complaint XXXX XXXX 

Here is a strong, legally grounded response which demands deletion of the disputed account and cites the full authority of the FCRA, CFPB, FTC, and FDCPA. This letter is tailored to Experians latest tactic of requesting authorization after youve already provided legal ID and proof of your dispute, and after repeated failures to properly investigate according to federal regulations.

Formal Response to Experian Demand for Deletion and Compliance To Whom It May Concern, This formal response accompanies my CFPB complaint, following Experians repeated failure to lawfully investigate disputed information and its improper request for authorization after receiving documentation of my identity and my dispute. Experian has now denied its duty under the law, and I demand immediate deletion of the disputed account in accordance with the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, Federal Trade Commission ( FTC ) guidance, and the Fair Debt Collection Practices Act ( FDCPA ), where applicable. 

Legal Authority and Compliance Standards - Under FCRA 15 U.S.C. 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation upon receiving a dispute regarding the accuracy or completeness of any item on a consumers credit report. If the disputed item is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted. 

- Experian is required to communicate the dispute to the furnisher and provide all relevant information received from the consumer. 
- Once you have provided verification of your identity as you have already done with legal ID and dispute documentation * * the agency can not refuse investigation or action based on improper demands for authorization, nor arbitrarily delay deleting unverifiable information. 
- Per the CFPB and FTC, Experian can not simply rely on a data furnishers verification if probative evidence or consumer documentation indicates a dispute exists. The law requires a meaningful, independent investigation and evidence-based resolution. 

Violations by Experian Experians demand for repeat or unnecessary authorization when you have provided valid government ID and explicit dispute documentation is not permitted under the FCRA, nor may it be used to obstruct, delay, or avoid its reinvestigation obligations.

- Experians continued reporting of disputed information, without providing requested verification documents or independent investigation, constitutes * * willful noncompliance * * actionable under FCRA 1681n and 1681o. 
- The FTC further mandates agencies to resolve disputes within 30 days and delete or correct any information they can not substantiate.

Action Demanded Pursuant to federal law : 1. * * Immediately delete the disputed account * * that Experian can not verify by probative documentation and legal reinvestigation, as required by FCRA 1681i ( a ).

2. Provide all documentation of the investigation, method of verification, and communications with any furnisher related to this dispute, as required by law and regulation.

3. Cease all improper demands for authorization after receipt of legal ID and dispute correspondence.

4. Comply with the FTC, CFPB, and FCRA mandates to ensure accurate reporting and a fair, meaningful resolution process. 

Failure to comply will constitute additional willful violations under the FCRA, expose Experian to civil liability, enforcement action, and further regulatory complaint escalation, including referral to the New Jersey Attorney General and potential legal action under FCRA 1681no, CFPB regulations, and the FDCPA if applicable.

References : - 15 U.S.C. 1681i ( a ), 1681n, 1681o Fair Credit Reporting Act ( FCRA ) [ 2 ] [ 3 ] [ 4 ] [ 6 ] - Consumer Financial Protection Bureau, Reasonable Investigation & Dispute Guidance [ 3 ] [ 4 ] [ 6 ] - Fe
deral Trade Commission, Dispute Resolution Standards and Timelines - Fair Debt Collection Practices Act 15 U.S.C. 1692g validation and verification ( where applicable )

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