Product: Credit reporting or other personal consumer reports

Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. 

Subject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).

Violation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). 

In this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.

Your unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.

Immediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.

2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.

3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.

Legal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.

This documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.

Please provide written confirmation that : 1. The unauthorized investigation has been immediately closed.

2. The disputed items have been permanently removed in accordance with FCRA compliance. 


XXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.

Failure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. 

Sincerely, XXXX XXXX ( XXXX ) XXXX