Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Urgent Resolution Request for Extended Dispute Timeline and Inconsistencies in Communication Dear CFPB, I am troubled to inform you that Experian has not adhered to the Fair Credit Reporting Act ( FCRA ) stipulated XXXX timeline for responding to disputes. Instead, I received a stall letter from Experian dated XX/XX/year>, well beyond the legally mandated timeframe. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. 

Experian 's failure to respond within the XXXX timeframe mandated by federal law is a clear violation of the FCRA. If the inaccurately reported bankruptcy is not promptly deleted from my credit file, I will have no choice but to seek legal representation and pursue federal remedies for defamation of character. This action is impeding my ability to achieve homeownership, and I am prepared to take legal action to rectify this situation. 

My dispute, initiated on [ XX/XX/year> ], relates to BANKRUPTCY DOCKET # XXXX my credit report, specifically concerning [ SENDING ME EMAIL THAT SAY RESULTS ARE AVAILABLE ONLINE WHEN I GOT TO DISPUTES IN THE EXPERIAN XXXX XXXX STATES THE COMPLETE OPPOSITE THAT RESULTS ARE NOT AVAILABLE ]. 

I have encountered several issues that are causing undue stress and uncertainty in this process. 

Extended Dispute XXXX : Experian has consistently extended the dispute timeline beyond the initial 30 days, pushing it to 60 days without providing a clear explanation for the delay. This prolonged timeline is causing unnecessary hardship and anxiety. 

Inconsistencies in XXXX : I have received multiple emails from Experian notifying me that the results of my dispute are available online. However, upon logging into the Experian portal, the system indicates that the results are not available online. This inconsistency in communication is both confusing and disconcerting. 

I understand that resolving disputes can be complex, but the repeated extensions and conflicting messages have eroded my confidence in the dispute resolution process. I am writing to request an urgent and transparent resolution to this matter. 

: Urgent Request for Resolution and Warning of Legal Action I am troubled to inform you that Experian has surpassed the XXXX timeline stipulated by the Fair Credit Reporting Act ( FCRA ) for responding to disputes. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. 

XXXX has taken prompt action by removing the same bankruptcy record from my credit file last month. It is essential that Experian follows suit, especially considering the evidence provided by the courts that they did not furnish or validate this information with the credit bureau. 

XXXX XXXX Required : I request that Experian immediately concludes the dispute process and removes the inaccurately reported bankruptcy from my credit file.

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