Experian’s “Suspicious Request” Letter Violates the Fair Credit Reporting Act

One of the three major consumer credit reporting agencies, Experian Information Solutions, has recently undertaken an apparent effort to stymie credit repair organizations and consumer lawyers by refusing to investigate consumer disputes regarding credit report inaccuracies.  Under the Fair Credit Reporting Act (“FCRA”), Experian and the other CRAs are given 30 days to investigate consumer disputes, and may only refuse to investigate if the dispute lodged by the consumer is “frivolous.”  However, Experian has recently begun rejecting consumer disputes based on the fact that they are “suspicious.”  Although Experian’s “suspicious request” letter does not define what is suspicious about the consumer’s dispute, consumer advocates believe Experian is engaged in a pattern of rejecting disputes in this matter when it appears that the consumer was assisted in drafting the dispute by a credit repair organization or an attorney.  This practice violates the FCRA, robs consumers of the protections the FCRA is intended to afford, and potentially has serious negative consequences to consumers’ credit histories.

If you have had a credit reporting dispute rejected by Experian or any other credit reporting agency, contact us for a free consultation.