Consumer complaint received 2025-06-26 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:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof that shows the violation Totally all law written to FCRA Section 611, AND TILA, DELETE IMMEDIATELY THE FOLLOWING ACCOUNT : " I am writing to formally file this complaint regarding the inaccurate information that persists on the account and has been verified by the bureau on my credit report regarding the following account : '' Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically, date of last payment and erroneous payment history. 
In addition to the inconsistencies identified between XXXXXXXX  and Experian, XXXX does not display any information about this account, which represents a critical omission and a violation of the principles of complete, accurate, and consistent reporting established by the FCRA. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : Inconsistencies : There are discrepancies among the three credit bureaus regarding this account, including date of last payment and erroneous payment history.

Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.


Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

I am fully convinced and evidence attached to this complaint supports it that the credit bureau EXPERIAN has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) during its investigation process. 
Specifically, I believe there are additional violations committed by the credit bureau against my rights, as the account still shows discrepancies and inaccuracies even after the investigation. 
Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 
Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) : The furnishers of the disputed information did not adequately investigate or rectify the inaccuracies after being notified of my dispute, as required by law.

Transparency and Accuracy ( TILA, 15 USC 1601 ) : The information provided in my credit report has not been accurate or transparent, violating my consumer rights.

Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

I am requesting that the CFPB investigate this matter and take appropriate action against EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Furthermore, this constitutes a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ), which requires the removal of inaccurate or unverified credit information. Therefore, I respectfully request the immediate deletion of the disputed account from my credit report. 
Thank you for your attention to this matter. I look forward to your response.

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