Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18146312
Complaint Overview
Complaint ID: 18146312
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: 75035
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Experian for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) related to my dispute. Experian did not conduct a reasonable reinvestigation, refused to provide the required Method of Verification, and is continuing a known pattern of unlawful dispute handling similar to what they have recently been sued for. 1. Experian Did Not Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) I submitted a dispute on XX/XX/year>, and Experian marked it verified/updated on XX/XX/year>. The dispute was closed in 7 days, which clearly shows : Experian did not review my documents, Experian did not forward all information to the furnisher as required by 611 ( a ) ( 2 ), Experian did not obtain competent evidence, Experian performed no real investigation beyond an automated e-OSCAR response This is a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) duty to forward all relevant information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted I will attach screenshots showing the open and close dates proving the investigation was not reasonably conducted. 2. Experian Failed to Provide the Required Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) After Experian marked my dispute as verified, I requested the Method of Verification ( MOV ), which is required by law. Experian never provided : 1. The procedure used to verify the account 2.What documentation was relied upon 3.How the furnisher confirmed accuracy 4.Any explanation of verification steps This is a direct violation of FCRA 611 ( a ) ( 6 ). 3. Experian Has a Known Pattern of Failing to Properly Investigate Disputes Experian has recently faced lawsuits and regulatory actions for : Not completing proper reinvestigations Relying exclusively on automated e-OSCAR responses Ignoring consumer-provided documentation Reporting unverifiable information My experience matches the exact misconduct that Experian has already been sued for. Their failure to investigate my dispute is part of this ongoing pattern of non-compliance. 4. My Intentions Are to Pursue Legal Action for Non-Compliance Because Experian : Did not conduct a reasonable reinvestigation Failed to provide a legally required Method of Verification Verified the account without evidence Ignored my dispute documentation Repeated conduct they have already been legally challenged for
Frequently Asked Questions
What is Complaint #18146312 about?
Complaint #18146312 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 2025-12-04T12:00:00-05:00.
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.