Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Information Solutions , Inc. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Failure to Respond to Dispute Within Timeframe / Failure to Provide Method of Verification Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX To the Compliance Departments of TransUnion and Experian : I am writing under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to address serious violations related to my XX/XX/XXXX dispute regarding the above-referenced XXXX XXXX XXXX account XXXX Both TransUnion and Experian have failed to meet statutory deadlines for reinvestigation and have not provided the legally required Method of Verification ( MOV ). 

XXXX. Failure to Complete Reinvestigation Within 30 Days -TransUnion XXXX my dispute on XX/XX/XXXX and responded on XX/XX/XXXX with XXXX XXXX XXXX XXXX DISPUTE, which is not a lawful conclusion of a reinvestigation under the FCRA . This exceeds the 30-day limit set forth in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and constitutes a failure to reinvestigate. 

-Experian received my dispute on XX/XX/XXXX and did not respond until XX/XX/XXXX, XXXX 60 days laterwith a generic statement that the account was verified. This untimely response is also in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The FCRA is clear : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer the agency shall reinvestigate before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

When a CRA fails to meet this deadline, the disputed information must be deleted. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

2. Failure to Provide Method of Verification ( MOV ) In my original dispute, I expressly requested the MOV under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, address, and telephone number of the furnisher contacted, as well as copies of all documentation used to verify the account.

Neither TransUnion nor Experian provided the MOV within 15 days of my request, as required by law.

This failure constitutes a separate violation of the FCRA, as the statute provides no extension beyond 15 days for furnishing the MOV.

3. CFPB Portal Disputes Are Governed by the Same FCRA Rules Both disputes were submitted through the CFPB.gov portal, which under the FCRA, must be treated the same as a direct dispute. The law does not differentiate between disputes submitted directly or via an intermediary. 15 U.S.C. 1681i ( a ) ( 2 ) requires that the CRA, upon receiving notice of a dispute, must forward it to the furnisher and conduct a full reinvestigation in the same manner.

4. Case Law In Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that a CRA can not rely solely on information from a furnisher without conducting an independent, reasonable reinvestigation. Furthermore, in Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ), the court held that untimely or inadequate reinvestigations are actionable violations under the FCRA. 

XXXX. Demand for Immediate Action Given these violations, I hereby demand : Immediate permanent deletion of the XXXX XXXX XXXX account from my credit file at TransUnion and Experian. 

If deletion is refused, provide the complete MOV for the previous dispute that you verified as accurate, within XXXX  days of receiving this letter.

Supply a free updated copy of my credit report reflecting the deletion.

It is entirely too late to cure, fix, or update this account. Any attempt to now verify or correct the record after the statutory deadline has passed is invalid under the FCRA. 
Failure to comply will result in formal complaints to the CFPB, FTC, and state Attorney General, as well as potential legal action for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Enclosures : Copy of government-issued ID Copy of recent bank statement ( proof of address ) Copy of XX/XX/XXXX dispute letter 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