Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint against Experian credit reporting agency for violation of 15 U.S.C.A. 1681i ( a ) ( 1 ) ( A ). I disputed items showing on my Experian credit report and Experain failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information within a XXXX-day time period. According to the regulation, if they fail to meet the XXXX-day requirement, they must delete the disputed items. 
Not only did they fail to meet the required time frame for providing their investigation results, they seemingly did not take my dispute seriously. What I mean by that is that is after receiving my initial dispute, I received a letter from them telling me that they received a " Suspicious '' Inquiry regarding my credit file and determined that it was not from me so they would not be contacting me again about that. I immediately wrote them back and said that the request was from me and asked them how they could have determined that it was NOT from me as no one ever tried to contact me about that. I also said that I still expected them to address my dispute letter within the XXXX day timeframe after they received it. 
When I did hear from Experian again, it was after the XXXX-day window for notifying me of their reinvestigation results and they told me in that letter they already did verify the items. I have asked them since in a couple letters to delete all disputed items in my credit file due to their failure to comply with 15 U.S.C.A. 1681i ( a ) ( 1 ) ( A. I just received another credit report from them and see that they did not delete the items. 

If necessary, I would be happy to provide you with the correspondence regarding my dispute with Experian. I have summarized the events below for your review. 
XXXX/XXXX/2015 - Experian received my dispute letter. 
XXXX/XXXX/2015 - I received a letter from Experian that said they have received a suspicious inquiry of my credit file and determined that it was not from me. They also said they would not be contacting me again about that inquiry. 
XX/XX/2015 I wrote a letter to Experian telling them that the letter they called " suspicious '' was from me and that I fully expected them to fulfill their obligation to either reverify the disputed items and send me those results within the XXXX day timeframe of when they received my dispute on XX/XX/2015 or delete the items as required. 
XXXX/XXXX/2015 - I wrote a letter to Experian demanding that they delete all the disputed items due to failure to notify me of their reverification results timely as required by 15 U.S.C.A. 1681i ( a ) ( 1 ) ( A ). 
XXXX/XXXX/2015 - I received a letter and credit file ( Report # XXXX ) from Experian telling me thay they have previously processed and verified the accuracy of the items that I have disputed and that they will not pursue this further. 
XXXX/XXXX/2015 - I sent Experian a letter back Experian and addressed it to their legal department. In that letter I told them that at no time did they notify me of their reverification results. I demanded that they DELETE ALL disputed items promptly due to violating 15 U.S.C.A. 1681i ( a ) ( 1 ) ( A ). I also requested evidence of the deleted items no later than XXXX/XXXX/2015. 
XXXX/XXXX/2015 - I received a letter and credit file from Experian ( Report # XXXX ) that once again tells me that they have previously processed my dispute and verified the accuracy. No mention was made by them recognizing my request for them to DELETE ALL disputed information due to the fact that they did not respond to my original request timely as required by law. 
As you can see, I have tried to dispute things in my Experian credit file and have done so professionally and well within my rights. Experian on the other hand has failed to fulfill their obligation to treat my dispute seriously and have not complied with the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation