Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12443853
Complaint Overview
Complaint ID: 12443853
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 752XX
Date Received: 2025-03-11T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
( Attached is a W2 with my full address and lease with full address, they are legible ) I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. The Consumer Financial Protection Bureau ( CFPB ) has sued both Experian and Equifax for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that Experian and Equifax have routinely failed to comply with this obligation. - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it. - 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement. - 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence. Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against Experian and Equifax for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of late payments the following inaccurate, unverified, and disputed accounts from my consumer report : - XXXX XXXX XXXX XXXX XXXX XXXX ] -all late payments are incorrect, I have bd et had a late payment on this account please provide the time stamped proof of the alleged late payments. If you can not verify these late payments with competent, legally admissible evidence, you are required by law to remove them under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). - [ XXXX XXXX XXXX ] - this balance is XXXX. I have asked you to correct this balance and provided proof of it being XXXX yet it has not been brought down to XXXX. This is heavily affecting my credit. Legal Action & Consequences for Non-Compliance Failure to comply with this request within the statutory 30-day period will leave me with no choice but to escalate this matter by : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office regarding your continued violation of federal consumer protection laws. 2. Pursuing legal action under 15 U.S.C. 1681n ( for willful noncompliance ) and 15 U.S.C. 1681o ( for negligent noncompliance ), which entitles me to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 3. Exploring a class action lawsuit given the systemic issues in Experian and Equifaxs dispute handling procedures as cited in the CFPBs legal complaint. I demand that you respond in writing with the results of your reinvestigation and confirmation of permanent deletion of the disputed accounts. Any attempt to provide a generic or automated response without a meaningful, substantive reinvestigation will be considered further evidence of your failure to comply with the law. This is your final opportunity to rectify this matter before formal complaints and legal action are initiated. I expect a response within the legally required timeframe.
Frequently Asked Questions
What is Complaint #12443853 about?
Complaint #12443853 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-11T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.