Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: FL
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:
I have sent a total of 3 lettere I receive emails* from Experian stating that they are still working on my dispute which is from letter # 2 receive on XX/XX/2019, each investigation should take 30 days and I should receive a response of the outcome via certified mail during the next 5 days after 30 days have pass to complete investigation. The only correspondence I receive by mail was the return receipt by mail on XX/XX/XXXXXX/XX/2019 for Letter # 3 which shows was receive onXX/XX/2019 

*I have sent a certified mail letter to Experian due to " NO RESPONSE '' scan copy attached, as proof of letter. 


* My first Complaint I'm receiving emails that show Experian extended past 30 days and actually stating that their dispute would be completed untilXX/XX/2019 
Violation in place by Experian failure to investigate within 30-day time frame. 

*Deadline for investigation 30 days would have been on XX/XX/2019 its now XX/XX/XXXX an nothing has been received by mail by your company. 

*I have NEVER submitted anything via your website, your responses are to be made via certified mail, some correspondence have been sent via certified mail. 

Each violation can range $ XXXX {$1000.00}. 
**************************************************************************************** *Your violation of the law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Re investigations of Disputed Information ( 1 ) Re investigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency ( e ) Treatment of Complaints and Report to Congress ( 1 )  In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ;  and ( B ) transmit each such complaint to each consumer reporting agency involved. 
( 2 ) Exclusion. Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). 
( 3 ) Agency responsibilities. Each consumer reporting agency described in section 603 ( p ) that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this title ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. 
) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the  agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute

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