Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
On XX/XX/XXXX a dispute was submitted to Experian regarding inaccurate and unverifiable information appearing on my Experian credit file. As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation and provide results of that investigation within 30 days of receiving my dispute. 

As of today, more than 30 days have passed since my original dispute, and I have not received any notice of results, updates, or verification documentation. This failure to respond is a direct violation of the FCRA.

Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reinvestigation to be completed within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) Requires you to provide written results of the reinvestigation not later than 5 business days after completion.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) States that if disputed information can not be verified within the allotted time, it must be deleted from the consumers credit file. 

Case Law Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that a credit reporting agency must conduct a reasonable reinvestigation or delete disputed information. 

Because you failed to complete your reinvestigation and respond within the statutory time frame, you are now in breach of the FCRA. By law, the accounts under dispute are deemed unverifiable and must be immediately deleted from my credit report. 

I hereby demand the permanent removal of the following disputed accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Inaccurate date and balance Account Name : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : No Forward Flow Agreement/No Chain of Assignments/No Account Level documentation to validate the alleged debt. Account Name : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : No Forward Flow Agreement/No Chain of Assignments/No Account Level documentation to validate the alleged debt. Account Name : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Dispute Reason : No Forward Flow Agreement/No Chain of Assignments/No Account Level documentation to validate the alleged debt. UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue private legal action against Experian for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, punitive damages, and attorneys fees. 

You are now on notice. I expect written confirmation that the above-referenced accounts have been deleted from my credit file no later than 15 days from receipt of this dispute.

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