Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

An investigation was submitted for the following companies : XXXX and the XXXX. 
XXXX : During the month of XX/XX/2015 XXXX added a collections to my credit report stating that I owed a balance of approximately XXXX on a past due balance. Originally I called XXXX and informed them that I never received a final stated for any past due balance. XXXX set me a statement and I observed several charges that were not correct and needed to be adjusted. I informed XXXX of the errors on the statement and they stated that they would send me an update statement for the correct balance. Instead XXXX sent the account to an internal collections department called the recovery division. XXXX never sent me an update statement after several request. Instead XXXX then sent the account to a third party collection agency called XXXX. At that time I disputed the account with them and submitted a dispute with the XXXX credit bureaus. Experian contacted XXXX who just verified the account and nothing more. After several request from XXXX to send an updated statement, my account was ultimately handled directly by XXXX. Even when I called to contact XXXX I was sent directly to XXXX and was told that they were the owners of my account and that all questions and payments needed to be handled through them. Under FCRA Section 623 ( a ) ( 8 ) I filed a dispute with XXXX to be sent to the original creditor XXXX to verify the account information, account balance and the account details. The dispute was filed on XX/XX/2015. After waiting approximately 60 days I contacted XXXX to request a status on my 638 dispute and they stated that XXXX failed to respond. I even sent a FCRA Section 623 ( a ) ( 8 ) dispute letter too directly to XXXX and they failed to even respond to that letter also. I then contacted the CFPB and filed a complaint against the CRA 'S who contacted XXXX and only verified the information. XXXX in in clear violation of the FCRA 623 ( a ) ( 8 ) because they failed to respond to my initial dispute within 30 days submitted on XX/XX/2015. 
623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( 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 ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.