Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NH
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: Was not notified of investigation status or results

Complaint:
Please refer to complaint ID : XXXX submitted on XX/XX/XXXX. 

I pointed out that Experian took over 30 days to investigate in this complaint. XXXX of the items that I disputed was removed, but a few of the items still remain. According to the Fair Credit Reporting Act, the dispute must conclude within 30 days of receipt of complaint. I never received a return receipt when I sent my dispute via certified mail. All I got from Experian was a canned response 60 days after I submitted my CFPB complaint. The beginning process of these disputes, and Experian 's lack of response started in XX/XX/XXXX of XXXX. Experian 's violation of the Fair Credit Reporting Act has been ongoing. Here is my response to their re-investigation : Dear Experian, Thank you for your response regarding my dispute on XX/XX/XXXX, through the CFPB Complaint Portal. I appreciate the time and attention you have given to my concerns. However, I must express my disappointment that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) with regards to my dispute. 

Specifically, the FCRA requires consumer reporting agencies to investigate and resolve disputes within 30 days of receiving the dispute. In my case, I filed my dispute on XX/XX/XXXX, and yet, Experian failed to provide any proof that they conducted the investigation and resolved the dispute within the XXXX timeframe. Instead, Experian stated that the result summary was sent to me for review on XX/XX/XXXX, which they need to require proof of the return receipt via certified mail. Nonetheless, they have a long history of non-compliance ( see documents attached in XXXX ). 

Furthermore, I never received any correspondence indicating that Experian had received my dispute. According to the FCRA, consumer reporting agencies must inform consumers in writing that the dispute has been received within XXXX days of receipt. I never received any such notification from Experian. 

Therefore, I request that Experian provide me with proof that the reinvestigation was conducted within the XXXX timeframe required by the FCRA, and that they provide me with written notification that they received my dispute. 

If Experian is unable to provide the requested proof, I ask that they delete the disputed item ( XXXX ) from my credit report immediately, as they have failed to comply with the requirements of the FCRA. 

Here are the items listed on my credit report that are still violating my rights : XXXX account number XXXX, and the inaccurate late payments on XXXX XXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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