Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Way PMB XXXX XXXX, FL XXXX Phone : XXXX Date : XXXX XXXX To : Experian Information Solutions XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Formal Demand for Deletion and Cease of Reporting FCRA 607 ( b ), 611 ( a ) ; FDCPA 807 ; CFPB Complaint # XXXX To Whom It XXXX Concern : This letter serves as a formal notice of ongoing noncompliance and failure to act within statutory timelines regarding my written disputes of inaccurate and unverified information appearing on my credit reports. 

On XX/XX/XXXX, I sent notarized disputes to all three credit bureaus regarding multiple inaccurate apartment rent balances being reported by XXXX XXXX XXXX XXXX XXXX. Despite my valid disputes, the items remain on my reports. 

Experian has failed to complete and provide the results of a reinvestigation within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX continues to furnish disputed and unverified data, violating FCRA XXXX ( b ) ( duty to ensure maximum possible accuracy ) and FDCPA XXXX ( XXXX ) ( misrepresentation of the legal status of a debt ). 

These continued inaccuracies are materially damaging my creditworthiness, ability to obtain housing, and personal reputation. 

Additionally, this matter is under active CFPB review ( Complaint # XXXX ). The companys interim response ( requesting additional information from client ) was received on XX/XX/XXXX. As of today, no resolution has been provided, and the XXXX response window is closing. 

Demand for Relief : Immediate deletion of all disputed XXXX XXXX XXXX tradelines from my Experian, Equifax, and TransUnion credit reports. 

Written confirmation that these items have been permanently removed and will not be reinserted without full certification of accuracy as required under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX of all reporting and collection activity by XXXX XXXX XXXX unless verifiable, legally sufficient documentation proving liability is produced. 

A full copy of my updated credit reports showing the deletions. 

Failure to comply within 10 days of receipt of this letter will result in the following actions without further notice : A supplemental submission to the CFPB including documentation of your continued noncompliance. 

A formal complaint to the Federal Trade Commission and Florida Attorney XXXX XXXX. 

Consideration of civil legal action seeking statutory, actual, and punitive damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

This letter serves as your final opportunity to resolve this matter amicably before further escalation. 

Sincerely, XXXX 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