Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 Consumer Financial Protection Bureau Attn : Complaints Division 1700 G Street NW Washington, DC 20552 Subject : Lack of Timely Response and Request for Deletion of Information from XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to express my deep concern regarding the lack of timely response from the XXXX major credit bureausXXXX, Experian, and XXXX regards to a recent dispute I raised with them. It has been over 30 days since I submitted my dispute, and I have not received any updates or resolution regarding the matter. 

I want to emphasize that my dispute was submitted in accordance with the guidelines outlined by the Fair Credit Reporting Act ( FCRA ), a crucial piece of legislation designed to protect consumers like myself. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, it is stated that, '' if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation. '' This provision underscores the credit bureaus ; obligation to promptly investigate and respond to consumer disputes. 

In compliance with the FCRA, I submitted my dispute letters to XXXX, Experian, and XXXX, providing all necessary documentation and details to support my claim. However, despite following the proper procedures and mailing the required letters, I have not received any updates or resolution within the mandated 30-day period. 

To substantiate my claim, I have retained the receipts and proof of mailing for the dispute letters I sent to the credit bureaus. These receipts serve as evidence that I have fulfilled my responsibility in initiating the dispute process and providing the credit bureaus with the necessary information. 

Considering the lack of a timely response and the continued presence of disputed information on my credit reports, I am now requesting that all the disputed information be deleted from my credit reports as provided for under the FCRA. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that 'if, after any reinvestigation... information disputed by the consumer is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. ' The FCRA grants me the right to request the deletion of inaccurate or unverifiable information from my credit reports. 

As a regular consumer, I rely on accurate credit information for various financial activities, including loans, mortgages, and even employment opportunities. The lack of a timely response from the credit bureaus not only hinders my ability to rectify any inaccuracies but also undermines the purpose of the FCRA and the consumer protection framework. 

Given the importance of accurate credit reporting and the role played by the Consumer Financial Protection Bureau in upholding consumer rights, I kindly request that your office investigates this matter thoroughly and takes appropriate action to ensure that the credit bureaus fulfill their obligations under the law. It is my belief that addressing these issues will not only resolve my personal situation but also help countless consumers who face similar challenges when disputing credit report inaccuracies. 

Thank you for your attention to this matter. I have attached the receipts and proof of mailing for your reference. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and ensure that the credit bureaus comply with their legal obligations. I would greatly appreciate receiving updates on the progress of this complaint and a timely resolution. 

Sincerely, XXXX XXXX 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 non-monetary relief