Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Letter 1 of 3 : To Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : NOTICE OF FCRA VIOLATION FAILURE TO INVESTIGATE DEMAND FOR IMMEDIATE DELETION Reference Complaint ID : XXXX To Whom It May Concern : This letter is to formally notify you that Experian is in violation of the Fair Credit Reporting Act ( FCRA ). I filed a formal complaint on XX/XX/XXXX ( Complaint ID : XXXX ), outlining multiple inaccuracies on my credit report. 
Pursuant to 15 U.S.C. 1681i, you were legally required to conduct a reasonable investigation and provide a resolution within 30 days. That statutory period has expired as of XX/XX/XXXX. Your failure to investigate and validate these disputed items within the legally mandated timeframe is a direct violation of my rights. 
Due to your non-compliance, you must immediately delete the following items which you have failed to prove are reported with maximum possible accuracy : * XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Derogatory, unverified collection/charge-off. 
XXXX XXXXXXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate " Late 60 Days '' status. 
XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent " Open '' and " Unknown '' status contradicting other bureaus. 
XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factually impossible reporting of " Late 150 Days '' on a deferred student loan. 
XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off with an admission of an unresolved dispute ( " consumer disagrees '' ). 
XXXX XXXX XXXX ( Acct : # XXXX XXXX XXXX XXXX XXXX  Unvalidated account reported as " Late 60 Days ''. 
XXXX XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unvalidated collection with conflicting " Open '' status. 
XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unvalidated collection. 
XXXX XXXX XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Unvalidated collection. 
Your failure to act within the mandated timeframe is considered willful non-compliance with the FCRA. If these items are not deleted immediately, I will be forced to pursue all available legal remedies, which may include seeking statutory and punitive damages. 
Sincerely, XXXX XXXX Letter 2 of 3 : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : NOTICE OF FCRA VIOLATION FAILURE TO INVESTIGATE DEMAND FOR IMMEDIATE DELETION Reference Complaint ID : XXXX To Whom It May Concern : This letter is to formally notify you that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ). I filed a formal complaint on XX/XX/XXXX ( Complaint ID : XXXX ), regarding numerous errors on my report. 
Under 15 U.S.C. 1681i, you had a legal obligation to investigate my dispute and provide results within 30 days. As of today, XX/XX/XXXX, that period has expired. You have failed to meet your statutory duties. 
Because you have failed to investigate and prove the validity of these items in the time required by federal law, you must immediately delete them from my credit file : XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unvalidated " Late 60 Days '' status. 
XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate " Closed '' status that conflicts with other bureaus. 
XXXX XXXXXXXX ( Accts : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate " Late 120 Days '' status on deferred student loans. 
* XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Impossible " Late 60 Days '' status on a paid and closed account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicative and misleading reporting of a single debt. 
XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unvalidated collection. 
XXXX XXXX XXXX  ( Acct : # XXXX XXXX XXXX XXXX Unvalidated collection. 
This is your final notice to comply with federal law. Your continued reporting of these unverified accounts constitutes willful non-compliance, for which I am entitled to seek damages. Remove the items now. 
Sincerely, XXXX XXXX XXXX 3 of 3 : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : NOTICE OF FCRA VIOLATION FAILURE TO INVESTIGATE DEMAND FOR IMMEDIATE DELETION Reference Complaint ID : XXXX To Whom It May Concern : This letter is to formally notify you that Equifax is in violation of the Fair Credit Reporting Act ( FCRA ). I filed a formal complaint on XX/XX/XXXX ( Complaint ID : XXXX ), detailing significant inaccuracies in my credit file, including an incorrect name ( " XXXX XXXX XXXX '' ). 
The 30-day statutory period for you to investigate and respond under 15 U.S.C. 1681i has expired. Your failure to do so is a clear violation of the law.

As a result of your failure to comply with the FCRA, you are now required to immediately delete the following unverified and inaccurate items : * Personal Information : The incorrect name variation " XXXX XXXX XXXX ''. 
XXXX XXXX XXXX XXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified collection/charge-off. 
XXXX XXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unvalidated " Late 60 Days '' status. 
XXXX XXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory " XXXX '' status and unverified information. 
XXXX XXXX  ( Accts : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Impossible " Late 120 Days '' status on what you acknowledge are disputed and deferred student loans. 
XXXX XXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate status on a paid, closed account. 
XXXX XXXX XXXX XXXX  ( Acct : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unvalidated collection. 
XXXX XXXXXXXX XXXX ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unvalidated collection. 
XXXX XXXX XXXX XXXX XXXX  ( Acct : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Unvalidated collection. 
Consider this your final opportunity to remedy your non-compliance. If these items are not deleted from my report immediately, I will pursue all legal options available to me for this willful violation of my consumer rights. 
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