Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXX ), deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX Account Number : XXXX, please remove immediately. 

2. Validate Account : XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3.VALIDATE ACCOUNT : XXXX, ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY 4. VALIDATE ACCOUNT : XXXX XXXX XXXXXXXX XXXX  : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP 5. VALIDATE ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 6. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX

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 non-monetary relief