Consumer complaint received 2024-11-22 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:
I am writing to formally address your failure to investigate and correct inaccurate information reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed certain items on my credit report under FCRA Section 611 ( a ), but despite this, your agency has failed to complete a proper investigation and resolve the discrepancies in the required 30-day period.

As a result, I am left with inaccurate and incomplete information on my credit report. This letter serves as my formal demand for immediate correction of these inaccuracies. Please be advised that the FCRA mandates that all credit reporting agencies conduct a thorough and timely investigation of disputed information. I request that you take the following actions as soon as possible.

Failure to Comply with FCRA Section 611 ( a ) ( Investigation Requirements ) : Under FCRA Section 611 ( a ), when a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must complete a reasonable investigation within 30 days. This investigation must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. 



I first disputed the following accounts on XXXX and the statutory 30-day period expired on XXXX. However, as of today, you have failed to conduct a reasonable investigation, and the inaccurate items remain on my credit report. 
Failure to Provide Results of the Investigation ( FCRA Section 611 ( b ) ) : FCRA Section 611 ( b ) requires that once an investigation is completed, the credit reporting agency must inform the consumer of the results of the investigation. This includes a summary of the investigation and a notification of any updates to the disputed information.

Since the statutory investigation period has passed and I have not received the results, I am left without any resolution or confirmation that the disputed items were reviewed properly. Your failure to provide this information constitutes non-compliance with FCRA Section 611 ( b ).

Failure to Correct or Remove Inaccurate Information ( FCRA Section 607 ( b ) ) : Under FCRA Section 607 ( b ), credit reporting agencies must ensure that the information they report is accurate. If they can not verify disputed information, they must remove or correct it. However, the following inaccurate accounts remain unresolved : Given that the statutory 30-day period for investigating my dispute has already passed, I request the following : A full investigation of the disputed accounts, including verification of the balances and payment histories provided by the furnishers of the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
Removal or correction of the inaccurate accounts if no valid verification is provided. 
A written explanation of the investigation results, as required under FCRA Section XXXX ( b ). 

Confirmation that you have taken the necessary steps to ensure compliance with the FCRA moving forward. 

Failure to resolve this issue within 15 business days will result in the filing of complaints with the CFPB, FTC, and the State Attorney Generals Office, as well as potential legal action to seek statutory damages.

I expect a resolution within the 15-business-day period and look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : Date of Birth : XX/XX/scrub>XXXX XXXX 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