Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my continued frustration and concern regarding the apparent stall tactics employed by your agency in response to my legitimate disputes under the Fair Credit Reporting Act ( FCRA ), specifically governed by Section 1681i.

Over the past several weeks, I have submitted dispute letters concerning inaccurate information on my credit report. To my dismay, your agency has repeatedly responded by requesting additional proof of identity, despite my inclusion of a copy of my driver 's license and a recent utility bill with each dispute letter. This pattern of behavior raises serious concerns about compliance with FCRA regulations, specifically Section 1681i, which mandates a reasonable and timely reinvestigation of disputed information. 

It is essential to highlight that the FCRA explicitly requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. This reinvestigation is to determine the accuracy of the disputed information and to record the current status of the information or delete the item from the file if inaccurate. 

Given that the XXXX timeframe has elapsed without a resolution, I must insist on a prompt deletion of the accounts in dispute. The persistent delays not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA. 

The constant requests for proof of identity beyond what is reasonably necessary not only appear to be in violation of the FCRA but also contradict the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). The CFPB, in its report on credit reporting agencies, emphasizes the importance of efficient and fair dispute resolution processes, aiming to provide consumers with accurate and up-to-date credit information. 

Moreover, the cases of Gorman v. Wolpoff & Abramson and Davis v. TransUnion, LLC, serve as legal precedents that underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the FCRA. These cases highlight the importance of compliance with the law and ensuring that disputes are handled in a timely and reasonable manner. 

I kindly request that [ Credit Reporting Agency 's Name ] conducts a comprehensive and expedited reinvestigation into the disputes I have raised, taking into consideration the information previously provided. Delays in resolving these matters not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA.

I expect your agency to adhere to its legal obligations under the FCRA and promptly provide me with a detailed response outlining the results of the reinvestigation. Furthermore, due to the elapsed XXXX timeframe, I demand the immediate deletion of the accounts in dispute from my credit report. 

Failure to comply with these requests may compel me to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution.