Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to you today to formally notify you of my intent to file a complaint with the Federal Trade Commission ( FTC ) due to your disregard of federal law. 

As evidenced by the attached copies of letters and mailing receipts, you received and accepted through registered mail my dispute letter dated [ insert date ], as well as my follow-up letter dated [ insert date ]. However, to date, you have not fulfilled your legal obligation to address the issues I have raised. Your non-compliance with federal law is unacceptable and contemptible, and I intend to hold you accountable. 

According to federal law, you are required to respond to my dispute letter within 30 days. However, you have failed to do so. Your failure to comply with federal regulations as a credit reporting agency is a matter that the FTC investigates ( see 15 USC 41, et seq. ). 

I am keeping a detailed record of all communications I have had with you on this matter. I will file a complaint with the FTC if you continue to fail to comply with federal law. Additionally, I want to remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be held liable for your willful noncompliance. 

I previously advised you of the following errors on my credit report more than 75 days ago and again 40 days ago : The following personal information is incorrect : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XX/XX/XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX The following personal information is incorrect : Account Number : PREVIOUS ADDRESS : XX/XX/XXXX The following inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account information is incorrect : XXXX XXXX Account Number : XXXX Account involved in litigation " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Please remove it from my credit report. 

The following account information is incorrect : XXXX XXXX  XXXX Account Number : XXXX Account involved in litigation " an incorrect high balance, '' you will be held fully accountable. 

I have attached copies of my previous dispute letters and mailing receipts, as well as documentation supporting my claims. I expect a timely response from you within the next 30 days, as required by federal law. Failure to do so will result in further legal action. 

Please be advised that I am closely monitoring my credit report, and any further reporting of inaccurate or incomplete information will be met with immediate action. 

Sincerely, XXXX 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 explanation