Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple written disputes to Experian requesting * * verificationnot validation * * of several items appearing on my credit file, including unauthorized hard inquiries and potentially inaccurate reporting. Despite clearly stating in every letter that my request is for verification, Experian continues to send back generic validation responses that do not address my actual request. This is a violation of my rights under FCRA 604 and 611, which require Experian to conduct a reasonable investigation and provide the verification I requested. 

Experian has also claimed that they obtained verification information through XXXX. This is not possible, because my XXXX file has a security freeze palced XX/XX/XXXX, and no entityincluding Experiancan access that information. Therefore, their statement that they received verification from XXXX is false and misleading. This raises concerns that Experian is not actually investigating my disputes and is instead providing incorrect information about their process. 

I placed a fraud alert on my Experian credit report on XX/XX/XXXX due to the recent XXXX  data breach and after noticing incorrect information appearing on my Experian file. I also filed a recent complaint with the CFPB, and in Experians response, they stated that they were unable to verify information due to the fraud alert. This is misleading because I am the one who placed the fraud alert on my account, and the alert does not prevent Experian from conducting a proper reinvestigation or providing verification. I believe Experian reported this information incorrectly to the CFPB as a way to dismiss and disregard my valid request for verification, rather than conducting the investigation required under the FCRA. 

Additionally, Experian has improperly labeled my disputes as frivolous even though I provided detailed explanations and supporting documents in writing. Their responses demonstrate a pattern of dismissing disputes without conducting the meaningful investigation required under federal law. 

Despite several written requests sent by certified mail, Experian has failed to provide the verification I requested, including : The name of the person or entity they verified the disputed items with The date and method of the verification Proof that I gave authorization for the disputed hard inquiries Accurate information about the source of the data being reported Experian continues to ignore my requests and provide responses that do not comply with the verification requirements under the FCRA. I am requesting that the CFPB investigate Experians failure to properly verify disputed information, their false statements regarding XXXX, their misrepresentation regarding the fraud alert, and their pattern of dismissing valid disputes.

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