Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
This is a follow up response from my original complaint with CFPB # XXXX This complaint was originally filed XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of Experian to respond. I had no choice but to file a complaint with the CFPB. 

These are the files that were disputed on XX/XX/2022 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Date Of Last Payment XXXX XXXX XXXX Last Reported XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX XXXX XXXX Date Of Last Payment I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA Law under section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) 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 receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Trying to resolve an on going issue now that has been disputed over 7 months ago is Illegal! If I would not have contacted the CFPB, I still would have not gotten a response for my original dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see Experian clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to Experian on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes until now.

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