Consumer complaint received 2024-09-16 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: GA

Complaint narrative:
On XX/XX/year> I mailed via USPS certified mail a Letter requesting the following below : 5-day period specified in 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) begins after the credit reporting agency ( CRA ) completes its reinvestigation of the disputed information on your credit report. 

**Subject : ** Request for Compliance with FCRA 5-Day Notification Requirement and Description of Reinvestigation Procedure **Re : Account Number XXXXXXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the accuracy of the information provided on my credit report related to the above-referenced account. I have previously disputed this information, and the results of your investigation indicated that the information was " verified as accurate. '' However, I have reason to believe that this verification was incorrect or incomplete. 

Legal Obligation Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), when a reinvestigation is conducted, the credit reporting agency is required to provide the consumer with written results of that reinvestigation within 5 business days of its completion. Additionally, the consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including : 1. **The business name and address of any furnisher of information contacted** during the reinvestigation.

2. **The telephone number of such furnisher, ** if it is reasonably available. 

Request for Immediate Action Given this legal context, I am requesting the following : 1. **Written notification** of the results of the reinvestigation within 5 business days of its completion, as required by law.

2. **A detailed description of the procedure** used to verify the accuracy and completeness of the disputed information. This should include : - The business name and address of any furnisher of information contacted.

- The telephone number of such furnisher, if available.

3. **Clarification on whether an interview was conducted** with the business or entity that furnished the information during the reinvestigation process. If an interview was conducted, please provide details regarding the scope and findings of the interview.

Consequences for Non-Compliance Failure to comply with these legal requirements could result in statutory penalties, including damages and attorneys fees, as provided under the FCRA. I expect that you will adhere to these legal obligations and provide the necessary documentation within the legally mandated time frame.

Conclusion Please confirm receipt of this letter and ensure that the reinvestigation and corresponding notifications will follow the procedures required under the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

Sincerely, my name was inserted here On XX/XX/year> the letter was received and as of XX/XX/year> I have not received any correspondence from XXXX with details on the investigation and by law they only had 5 days to respond which it has been over that time period

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