Consumer complaint received 2025-07-24 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 XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX DOB : XX/XX/XXXX SSN ( Last Four ) : XXXX Date : XX/XX/XXXX Subject : Second Formal Dispute Failure to Respond Within FCRA-Mandated 30 Days Account Name : XXXX  XXXX Account Number : XXXX To Whom It May Concern at TransUnion, Experian, and Equifax, This correspondence serves as a second formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically addressing your failure to respond to my initial dispute filed on XX/XX/XXXX, and received by each of you on XX/XX/XXXX via the Consumer Financial Protection Bureau XXXX XXXX ). 

FCRA Violations Due to Non-Response Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reinvestigation and respond within 30 days of receiving a dispute. As of XX/XX/XXXX, more than 30 days have passed with no response or resolution provided by TransUnion, Experian, or Equifax. As such, you are now in violation of federal law. 
Additionally, I specifically requested a Method of Verification ( M.O.V. ) if the account was verified as accurate. To date, no M.O.V. has been provided, further violating your obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Please also note that the original dispute was submitted via CFPB.gov, and per federal standards, disputes filed through the CFPB carry the same legal weight as direct bureau submissions under the FCRA. 

Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit bureaus are required to conduct an independent and reasonable investigation of disputed information and can not simply rely on a furnishers automated response.

The FCRA also states in 15 U.S.C. 1681e ( b ) that credit reporting agencies must ensure the maximum possible accuracy of the information they report. Your continued reporting of inaccurate, inconsistent, and unverifiable information on this XXXX XXXX accountdespite being notifiedviolates this provision. 

Immediate Action Required Because you failed to respond within the 30-day period, the law is explicitly clear : this disputed account must be removed entirely from my credit file. It is too late for you to update, correct, or cure the record. Your legal window to do so has closed. 

Therefore, I am demanding the immediate deletion of the XXXX XXXX account from my credit reports across TransUnion, Experian, and Equifax. 

Failure to comply will result in formal legal action being taken against each of your agencies. I am prepared to pursue litigation in civil and/or federal court for : Negligent and willful noncompliance with the FCRA ( 15 U.S.C. 1681n and 1681o ) Emotional distress and damages Attorneys fees and punitive damages, as applicable Summary of Violations 1. Failure to respond within 30 days as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 2. Failure to provide a Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) 3. Continued reporting of inconsistent and inaccurate data, violating 15 U.S.C. 1681e ( b ) 4. Failure to conduct a reasonable investigation, per XXXX XXXX Trans Union Final Demand You are now formally notified to : Delete the XXXX XXXX account ( Account No. XXXX ) from all reports immediately Confirm removal in writing within 7 business days of receipt of this letter If I do not receive confirmation of full deletion and compliance within this timeframe, I will move forward with Notice Of Intent To Sue followed with complaints to the Federal Trade Commission ( FTC ), State Attorney General, and will initiate a civil lawsuit under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX 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