Consumer complaint received 2025-05-30 00:00:00
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.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Final Notice of Dispute Escalation Failure to Comply With Federal Law / Intent to Seek Legal Relief Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX Amount : {$750.00} To Whom It May Concern, This letter serves as a formal escalation and final demand for the immediate deletion of the above-referenced account from all three credit reporting agencies. On XX/XX/XXXX, I submitted a certified dispute letter pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FDCPA 809 [ 15 U.S.C. 1692g ]. On XX/XX/XXXX, I also submitted the dispute through the CFPB platform, which was acknowledged by the bureaus on XX/XX/XXXX. 

Violation of 30-Day Dispute Resolution Requirement Per FCRA 611 ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable investigation and respond within 30 days. 

However : TransUnion responded on XX/XX/XXXX, 43 days after submission. Their response stated : In response to your request, the following actions were taken on your credit file ... XXXX XXXX XXXX XXXX - ACTIVE DISPUTE. 

Equifax responded on XX/XX/XXXX, 33 days after receiving the dispute : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU... THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION, ACCOUNT HISTORY. 
Neither bureau requested or notified me of a 15-day extension allowed under 611 ( a ) ( 1 ) ( B ) for additional information. This makes their reporting noncompliant and invalid under federal law.

Legal Violations & Supporting Case Law 1. Failure to Respond Within Statutory Timeline FCRA 611 ( a ) ( 1 ) ( A ) : Requires bureaus to respond within 30 days. This was violated by both Equifax and TransUnion.

2. Mandatory Deletion for Non-Timely Verification FCRA 611 ( a ) ( 5 ) ( A ) : If an item is not verified within 30 days, it must be deleted.

3. Failure to Provide Method of Verification I requested a full Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), including : Name and contact information of the furnisher Systems and documents used Verification dates This request has not been fulfilled.

4. Conflicting & Inaccurate Reporting The account appears under multiple names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Inconsistent reporting : Different status indicators : open vs. closed Conflicting dates of last activity and payment history These violate FCRA XXXX ( b ), which requires maximum possible accuracy. 

Supporting Case XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Agencies must go beyond the furnishers word and conduct a reasonable investigation. 
XXXX v. Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit bureaus are liable when a reinvestigation is not reasonable. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Even technically accurate information can be misleading and violate the FCRA. 
XXXX  v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Highlights the difference between negligent and willful noncompliance, including available remedies.

Final Demands You are hereby given seven ( 7 ) business days from receipt of this notice to take the following actions : Permanently delete the account from all credit reports pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

Provide written confirmation of deletion.

Provide the Method of Verification as outlined in 611 ( a ) ( 7 ), including : Name and contact info of furnisher Date and method of investigation Documents relied upon Notice of Intent to Seek Legal Relief Should you fail to comply, I will escalate this matter to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Attorney General XXXX XXXX XXXX or XXXX XXXX XXXX XXXX action will be based on : Willful noncompliance FCRA 616 [ 15 U.S.C. 1681n ] Negligent noncompliance FCRA 617 [ 15 U.S.C. 1681o ] I will seek : Statutory damages ( {$1000.00} per violation ) Actual damages ( including credit denials ) Attorneys fees and court costs Punitive damages where applicable All relevant documentation including certified mail receipts, CFPB dispute logs, and responses has been preserved. 

This is your final opportunity to resolve this matter amicably. 
Sincerely, XXXX XXXX

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 explanation