Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The following 2 complaints were submitted to the CFPB on XX/XX/2024 : XXXX Complaint ID XXXX Experian Complaint ID XXXX Dispute # XXXX XXXX has closed the complaint yet did not remove the disputed items. This is not the first attempt to work with XXXX to remove the disputed accounts. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy, when a reinvestigation is required, the consumer reporting agency must 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 ( XXXX ), 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. Additionally, After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( XXXX ) Conduct a reasonable investigation with respect to the disputed information ; ( XXXX ) Review all relevant information provided by the consumer with the dispute notice ; ( XXXX ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the 30 day period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( XXXX ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency. 

Per complaint # XXXX ( CFPB complaint for XXXX ) which was submitted on XX/XX/2024, all three reporting agencies received the same documents and only XXXX has resolved the issue in the 30day ( about 4 and a half weeks ) period ( see attached ). Once the disputed items were removed from my XXXX report, the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file is to sent to other such consumer reporting agencies. XXXX is in violation of 1681n. Civil liability for willful noncompliance. 

Dispute # XXXX For Experian, the complaint is passed the 30 day period per 1681i. There has been no additional information provided to Experian since the notice of dispute. This means there is no extension of the period to investigate, and Experian must provide results within the 30-day period, which they have not. Experian must promptly delete the items of information from the file of the consumer.

Per 15 USC1581i Extension of period to reinvestigate, except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

The consumer reporting agencies are reporting conflicting information. This matter has caused financial strain for months, and must be corrected expeditiously.