Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Subject : Second Notice Failure to Respond Within 30 Days Under FCRA 611 ( a ) Immediate Deletion Required Dear Experian, This letter serves as a formal follow-up regarding the dispute I submitted to your agency on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681i ), you are required to complete your investigation and respond to my dispute within 30 days of receipt. I submitted my dispute on ( XX/XX/XXXX ) However, your response was not received until ( XX/XX/XXXX ), which clearly violates this statutory timeline. 

As a result, you are now legally obligated to delete the disputed item ( XXXX ) from my credit report. FCRA 611 ( a ) ( 5 ) ( A ) mandates that any disputed item not verified within 30 days must be removed from the consumers file.

Here again are all the accounts that I am referencing. 

Disputed Accounts : Experian * * * * * * XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX Legal Grounds for Removal : FCRA 611 ( 15 U.S. Code 1681i ) : I am exercising my right to dispute this information. If the disputed information can not be verified within 30 days, or is found inaccurate or incomplete, it must be deleted from my credit file. You took more then 30 days to respond.

GLBA 6801 ( 15 U.S. Code 6801 ) : Financial institutions and their agents must safeguard my nonpublic personal information ( NPI ). Reporting or sharing this information without my consent, or based on unverified or unauthorized activity, is a direct violation of this statute.

15 U.S. Code 1681e : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681n : Willful failure to comply with FCRA obligations subjects your agency to statutory damages, punitive damages, and attorneys fees.

I did not authorize any of these companies to furnish any of my nonpublic personal information to your agency, as a result, they are in violation of 15 U.S. Code 6801 and 15 U.S. Code 6802.

You as a consumer reporting agency are required to make sure that all of the information that you place on a credit report is true and accurate. This leads me to believe that your company is willfully placing information on my credit report that is unauthorized and a violation of my rights because I never approved it to be placed on my credit profile. Your agency also willfully ignored the 30 day deadline. As a result of these violations, you are in violation of 15 U.S. Code 1681e, 15 U.S. Code 1681i 15 U.S. Code 1681n.

In light of these violations, I demand that all unverified and unauthorized accounts listed above be deleted from my credit profile immediately. Failure to comply will result in formal complaints being filed with the CFPB, FTC, BBB, and my State Attorney General. I am also prepared to seek legal remedy under FCRA 1681n for willful noncompliance.

Additionally, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), please provide the name, address, and contact number of any entity that verified the disputed information, if you choose to retain it in my file.

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