Consumer complaint received 2025-06-29 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, Apt XXXX New York, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : [ Your Email ] Phone : [ Your Phone ] Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Demand for Deletion of Inaccurate Account FCRA Violations Account in Dispute : Original Creditor : XXXXXXXX XXXX XXXX XXXX 

Debt Collector : XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, This letter serves as a formal final demand to immediately remove the above-referenced account from my credit reports due to multiple and unresolved violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.. 
Background On XX/XX/XXXX, I submitted a dispute regarding this account to all three major credit bureausEquifax, TransUnion, and Experian

via CFPB.gov and by physical mail. The dispute clearly outlined materially inconsistent, inaccurate, and contradictory information reported about this account, including discrepancies in status, payment history, dates of last activity, and missing essential data. Despite having more than 30 days to investigate and respond : Equifax did not respond until XX/XX/XXXX, well beyond the 30-day limit. They merely stated the item was verified without providing the Method of Verification ( M.O.V. ) as explicitly requested.

TransUnion received the dispute on XX/XX/XXXX, but has not responded at all. 

Experian received it on XX/XX/XXXX, but has also failed to respond within the required timeframe. 

These failures constitute clear violations of the FCRA. The law does not permit late verifications, and no bureau is allowed to " cure '' its failure to investigate properly once the legal window has expired.

Applicable FCRA Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to complete a reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion of information that can not be verified.

15 U.S.C. 1681s-2 ( b ) Furnisher 's duty to investigate disputed information.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

15 U.S.C. 1681g ( a ) ( 1 ) Right to all information in the consumers file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requirement to provide the Method of Verification upon request.

Furthermore, per the Consumer Financial Protection Bureau 's regulatory guidelines, disputes submitted via CFPB.gov are to be treated as direct disputes and must comply with all legal requirements under the FCRA, including time constraints and documentation provisions. Your failure to do so violates these federal requirements.

Case Law Support Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) : Reinforces obligation to conduct a reasonable investigation under FCRA.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. XXXX ) : CRAs must go beyond a cursory confirmation of data from the furnisher.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. XXXX ) : Late or inadequate investigation violates FCRA.

Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. XXXX ) : Mandates deletion if the account can not be verified accurately.

Legal Conclusion and Demand Due to your non-compliance, delayed responses, and failure to verify the account properly with complete documentation and within the FCRA 's time limits, this account is now unverifiable and must be deleted.

I am not requesting an investigation at this time. I am formally demanding immediate deletion of this account from my credit reports across all three bureaus. This demand is made pursuant to FCRA 1681i ( a ) ( 5 ) ( A ) and related provisions.

This letter is being submitted both by mail and through CFPB.gov, in accordance with federal law. It is not frivolous, as it includes detailed inconsistencies and your violations of federal law. The FCRA does not require disputes to come solely by mail or be resubmitted multiple times. Repeating inaccurate verification after a late or legally insufficient investigation will be treated as willful non-compliance.

Should you fail to comply, I am prepared to escalate this matter to litigation and seek statutory damages, punitive damages, and attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

Requested Action Immediate deletion of the XXXX XXXX XXXX XXXXXXXX XXXX account from all three credit bureaus.

Written confirmation that the account has been deleted.

Updated credit report reflecting the changes.

Response within 10 business days confirming the action taken. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of Social Security card Proof of current address ( e.g., bank statement )

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