Consumer complaint received 2025-08-04 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:
Subject : Formal Final Dispute FCRA Violations, Untimely Reinvestigation, and Demand for Deletion & Method of Verification ( M.O.V. ) XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX Date : XXXX To : Experian / Equifax/ Subject : Formal Final Dispute FCRA Violations, Untimely Reinvestigation, and Demand for Deletion & Method of Verification ( M.O.V. ) XXXX XXXX Account XXXX XXXXXXXX To Whom It May Concern, This letter serves as a final formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX being reported by both Experian and Equifax. It follows a prior dispute I submitted via CFPB.gov, along with supporting documentation, requesting deletion of the account due to multiple material inconsistencies, legal inaccuracies, and unverifiable data.

RECAP OF DISPUTE HISTORY & LEGAL FAILURES I submitted this dispute to Experian and Equifax via the CFPB.gov portal on XX/XX/XXXX. 

Experian received my dispute on XX/XX/XXXX, but did not respond until XX/XX/XXXX 58 days later. 

Equifax received it on XX/XX/XXXX, and responded XX/XX/XXXX 35 days later. 
Per FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete a reinvestigation within 30 days of receiving a dispute. Both bureaus exceeded this deadline, making any resulting reinvestigations untimely, unlawful, and invalid.

Important Legal Note : CFPB.gov disputes are treated identically to direct consumer disputes and are fully governed by the same FCRA statutes, including the 30-day reinvestigation rule. There is no exemption or extension for disputes submitted through the CFPB portal.

INCONSISTENCIES AND VIOLATIONS 1. Contradictory Account Status Experian and Equifax both list the account as " Open. '' Yet Equifax also lists it as a Collection. These two labels can not coexist legally.

2. Mismatched Account Type Experian : Unknown Credit Extension, Review, or Collection Equifax : Collections 3. Conflicting Terms Experian : 1-month term Equifax : 0-month term 4. Payment Status Discrepancies Experian : Collection/Charge-Off Equifax : 120 Days Late 5. Date Inconsistencies Experian : Last updated XX/XX/XXXX Equifax : Last updated XX/XX/XXXX XXXX. Last Activity : Experian XX/XX/XXXX, Equifax XX/XX/XXXX Last Payment : Only Equifax reports XX/XX/XXXX ; Experian lists nothing. 

7. Inconsistent Remarks Experian : Account assigned to attorney or internal collections Equifax : Generic Collection Account 8. Payment History Conflicts Experian : Shows delinquencies for XX/XX/XXXX XX/XX/XXXX Equifax : Shows OK for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX is blank These material inconsistencies violate FCRA XXXX ( b ), which requires credit bureaus to maintain the maximum possible accuracy of reported information. Conflicting dates, statuses, and histories between bureaus show the data is not reliable and must be deleted. 

FCRA VIOLATIONS FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed data within 30 days FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable or inaccurate data FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) Failure to provide the required Method of Verification ( M.O.V. ) PRIOR REINVESTIGATION RESPONSES LEGALLY INSUFFICIENT Experian responded generically, stating the data furnisher verified the account. No M.O.V. or documentation was provided.

Equifax stated that the item was verified and updated, but failed to explain or correct the major inconsistencies. No M.O.V. was supplied.

Under FCRA 1681i ( a ) ( 7 ), I have a right to receive a detailed Method of Verification, including : The name, address, and contact number of the furnisher A description of the investigation procedure used The actual documentation or data used to verify the disputed information I never received this information in either response. This violates the law and renders your previous reinvestigations incomplete and unlawful.

DEMAND FOR ACTION Given all of the above, I am formally demanding : Immediate deletion of the XXXX XXXX account from both Experian and Equifax, due to : Untimely reinvestigation -Inaccurate, incomplete, and conflicting data -Failure to provide Method of Verification -Ongoing harm to my creditworthiness and access to credit If you continue to report this account, I demand : -Full Method of Verification ( M.O.V. ) per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) -A complete copy of all documents and data relied upon in your reinvestigation -A detailed explanation of how each discrepancy I cited was reviewed and resolved Cease and desist from further reporting of this unverifiable and inconsistent account unless and until you are in full compliance with the law.

NOTICE OF INTENT TO ESCALATE If this account is not deleted or lawfully verified within 15 days, I will proceed with additional actions, including but not limited to : -Filing complaints with the CFPB , New York State Attorney General, and FTC -Consulting legal counsel to initiate a claim for damages under FCRA 1681n and 1681o ( for willful or negligent noncompliance ) Under these provisions, I may be entitled to statutory damages, actual damages, punitive damages, and attorneys fees. 

Respectfully, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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