Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
Experians Failure to Resolve Dispute and Violation of FCRA Timeframe Dear CFPB, I am escalating this complaint due to Experians continued failure to comply with FCRA 1681i ( a ) ( 1 ), which requires credit bureaus to complete investigations within 30 days. My original complaint ( XXXX XXXX. XXXX, filed XX/XX/year> ) was not responded to until XX/XX/year>, exceeding the 30-day deadline by 31 days. 

Key Issues : Failure to Complete the Investigation Within 30 Days ( FCRA 1681i ( a ) ( 1 ) ) Experian responded 61 days after the dispute was filed, violating the statutory deadline for dispute resolution.

Because Experian failed to complete the investigation on time, the continued reporting of the disputed item is unlawful under FCRA, and the item must be deleted.

Failure to Conduct a Meaningful Investigation Experians response does not indicate any substantive verification of the disputed information.

They failed to provide proof that they obtained verification from the furnisher beyond a generic statement that the information was " updated. '' Under 15 U.S.C. 1666a and 1666b, I request verification that the required billing statements were mailed on time before reporting delinquencies.

Failure to Correct the Harm Caused by Their Violation Experians failure to act within the legal timeframe has negatively impacted my credit score, limiting my access to fair credit.

Because their delay directly harmed my financial standing, they must delete the disputed account entirely from my credit report.

Generic Response That Fails to Address the Complaint Experian 's response is vague, non-specific, and fails to acknowledge their FCRA violation.

They suggest that I submit additional documentation, which shifts the burden to me rather than ensuring their own compliance.

Experian did not explain why the dispute exceeded 30 days, nor did they provide any justification under which an extension would be legally allowed.

Requested Resolution : Immediate Deletion of the Disputed Item from My Credit Report Due to Experians failure to comply with FCRA 1681i ( a ) ( 1 ), the continued presence of the item is unlawful, and it must be immediately deleted.

Formal Investigation into Experians Compliance Practices The CFPB should review Experians handling of disputes to determine if they are systematically failing to meet FCRA-mandated deadlines.

Regulatory Action Against Experian for FCRA Non-Compliance Given that this case mirrors allegations in CFPB v. Experian Information Solutions , Inc. ( Case No. 8:25-cv-24 ), I request that the CFPB take enforcement action to hold Experian accountable for violating consumer rights.

I urge the CFPB to take immediate action and ensure Experian is held responsible for violating FCRA standards. Thank you for your time and attention. 

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