Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for willful failure to conduct a lawful reinvestigation, misuse of identity verification demands, and continued obstruction of my rights under the Fair Credit Reporting Act ( FCRA ). 

I submitted multiple written disputes regarding inaccurate and unverifiable negative information on my credit report beginning XXXX XXXX XXXX  Experian acknowledged receipt of my disputes, reported the disputed tradelines, and marked several items as consumer disputes this item. 

Despite this, Experian has failed to complete a lawful reinvestigation within the statutory timeframe required by 15 U.S.C. 1681i.

Improper and Contradictory Conduct by Experian After previously acknowledging my disputes and maintaining a credit file under my name, Experian sent a response stating that it was unable to locate credit information about me or verify my identity and suggested that I may not have established a credit history. 

This assertion is false, internally contradictory, and logically impossible, given that Experian : Previously generated credit reports in my name Previously acknowledged and processed disputes Previously reported disputed tradelines under my SSN Previously issued dispute results Experian can not simultaneously maintain a credit file, report tradelines, and then claim no credit file exists. 

Misuse of Identity and Fraud Claims At no point have I alleged identity theft or fraud. 

Experian has repeatedly attempted to recharacterize lawful accuracy disputes as identity or fraud issues, demanding additional documentation unrelated to the disputed tradelines. This practice is an improper delay tactic and violates 15 U.S.C. 1681i, which does not permit a CRA to refuse or suspend reinvestigation by unilaterally redefining a consumers dispute. 

I have already provided sufficient identifying information to establish my file, receive dispute responses, and have accounts flagged as disputed. 

Failure to Conduct a Reasonable Reinvestigation As of the date of this complaint : The statutory investigation period has expired Experian has not verified disputed information with competent evidence Experian has not deleted unverifiable information Experian continues to report disputed items while avoiding reinvestigation This constitutes violations of : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure accuracy 15 U.S.C. 1681n and 1681o willful and negligent noncompliance Harm to Consumer Experians conduct has caused ongoing and concrete harm, including : Continued reporting of inaccurate and unverifiable derogatory information Credit score damage from unresolved disputes Denial of credit opportunities Time, expense, and stress caused by repeated obstruction

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