Consumer complaint received 2025-08-03 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:
XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX XXXX ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Final Demand Failure to Verify Within FCRA 30-Day Limit / Request for XXXX. XXXX XXXX Account To : TransUnion / Experian / Equifax To Whom It May Concern, This letter serves as a formal final dispute notice and demand for the Method of Verification ( M.O.V ) regarding the XXXX XXXXXXXX account ( # [ Last XXXX or full if known ] ) being reported on my consumer credit file. It follows my original dispute, submitted to all three credit bureaus and the Consumer Financial Protection Bureau ( CFPB ) portal, referencing multiple factual inaccuracies and material inconsistencies. 

RECAP OF DISPUTE HISTORY & YOUR FAILURES TO COMPLY TransUnion received my dispute on XX/XX/XXXX, and responded on XX/XX/XXXX 43 days later. 

Equifax received the dispute on XX/XX/XXXX, and responded on XX/XX/XXXX 31 days later. 

Experian received the dispute on XX/XX/XXXX, and responded on XX/XX/XXXX 58 days later. 

Per FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681i ), you are required to complete a reinvestigation within 30 days of receiving a consumer dispute. You all exceeded the statutory timeframe, making your so-called " verifications '' legally invalid.

LEGAL REQUIREMENTS YOU VIOLATED Failure to Reinvestigate in 30 Days FCRA 611 ( a ) ( 1 ) ( A ) requires credit bureaus to complete investigations within 30 days of receiving a dispute.

FCRA 611 ( a ) ( 5 ) ( A ) ( i ) : If the disputed item can not be verified, the CRA shall delete the item from the file of the consumer.

CFPB.gov disputes are treated no differently than direct disputes. All disputes submitted via the CFPB portal are still governed by the same legal timeframes and requirements under the FCRA. The 30-day rule applies equally.

Failure to Provide Method of Verification ( M.O.V. ) As required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), upon completion of reinvestigation, the consumer has a legal right to : a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information.

I explicitly requested M.O.V. in my original dispute and have not received this information from any of you.

Furnisher Violations Inaccurate and Incomplete Reporting Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not provide information if it is known to be inaccurate.

The payment history, account status, last activity dates, balance reporting, remarks, and months reviewed fields all conflict across your reports.

These discrepancies are material, misleading to lenders, and damaging to my creditworthiness and Debt-to-Income ( DTI ) analysis. 

APPLICABLE CASE LAW & PRECEDENT XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than simply parrot information from furnishers. They are required to perform reasonable investigations. 

XXXX v. Equifax, XXXX. XXXX Establishes that failure to verify disputed data within 30 days under the FCRA necessitates removal. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A CRAs failure to delete unverifiable information is a violation of the FCRA and is grounds for civil action. 

FINAL DEMAND REQUIRED ACTION I hereby demand the following : Permanent deletion of the XXXX XXXX account from all three credit bureaus ( TransUnion, Experian, Equifax ) due to : -Untimely reinvestigation -Failure to provide Method of Verification -Ongoing inaccurate and unverifiable reporting -Failure to comply with multiple sections of the FCRA If you refuse to delete, then I demand : Full and complete Method of Verification per FCRA XXXX ( a ) ( XXXX ) : including the name, address, and phone number of the furnisher, and a detailed description of the procedure used to verify this account. 

Cease and desist from any future reporting or updating of this XXXX XXXX account. 
At this point, you are legally prohibited from reporting inaccurate, unverifiable, or untimely verified data. 

You can not correct or update an account that was never validly verified to begin with. Only permanent deletion is allowed. 

NOTICE OF INTENT TO SUE If this account is not permanently deleted within 15 days, I will proceed with formal legal action under the Fair Credit Reporting Act ( FCRA ) for the following violations : -Failure to complete reinvestigation within the required timeframe -Failure to provide Method of Verification -Continued reporting of inaccurate and unverifiable information -Willful noncompliance with federal law Damages may include statutory penalties, actual damages, punitive damages, and attorney 's fees as provided under the FCRA. 

Respectfully, XXXX XXXX XXXX XXXX : XX/XX/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