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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/year> Subject : Final Demand for Method of Verification and Permanent Deletion Due to Repeated FCRA Violations Accounts in Dispute : XXXX XXXX  Acct # XXXX Credit Bureaus : TransUnion and Experian TO WHOM IT MAY CONCERN : This letter serves as my final formal dispute and legal notice regarding the XXXX Bank account ( Acct # XXXX ), which remains inaccurately and unlawfully reported on my credit file. This communication documents multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agencies and formally demands the following : IMMEDIATE ACTION REQUIRED Permanent deletion of the XXXX Bank XXXX from all credit files Provision of the Method of Verification ( MOV ) as required by law Escalation of this matter to a compliance supervisor or legal department FULL RECAP OF FCRA VIOLATIONS I submitted a formal dispute regarding this XXXX Bank account on XX/XX/year>, which you received on XX/XX/year>. Your agencies were required under FCRA XXXX ( a ) ( XXXX ) ( A ) to complete an investigation and respond within 30 days. 
Instead, you responded well outside the statutory timeframe : TransUnion : Responded on XX/XX/year> ( 42 days ), and again on XX/XX/year> falsely claiming no credit file could be locateddespite having previously reported the account and responded. 

Experian : Responded on XX/XX/year> ( 58 days ), then again on XX/XX/year> both well beyond the legal limit. 
These are unambiguous violations of FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates : " If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ... the agency shall, free of charge, conduct a reasonable reinvestigation... and shall complete such reinvestigation within 30 days ... '' Furthermore, per FCRA XXXX ( a ) ( XXXX ) ( A ) : If, after any reinvestigation ... an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

Your failure to verify the account within the legal window means you are prohibited from reporting this item further. 

METHOD OF VERIFICATION ( MOV ) DEMAND FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) Under FCRA XXXX, I am demanding the full Method of Verification ( MOV ) of your previous verifications, including : The name, company, department, and contact details of the party who verified the account The means by which the information was verified ( e.g., automated system, manual contact ) A copy of all documents used to verify the tradeline, including : Signed original credit application Full account statements and history Charge-off documentation and balance breakdown Proof of ownership by XXXX Bank Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : " ... a consumer reporting agency shall provide to a consumer 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 contacted in connection with such information ... '' CFPB DISPUTES ARE LEGALLY EQUIVALENT You XXXX not avoid deletion by arguing that the dispute was not direct. Disputes submitted via the Consumer Financial Protection Bureau ( XXXX ) are legally recognized under the FCRA. The CFPB mandates that credit reporting agencies and furnishers : Must respond to the CFPB within XXXX calendar days of receiving the complaint from the consumer. 
( See : CFPB XXXX and Examination Manual, and XXXX XXXX XXXX ) Ignoring the dispute, delaying responses, or responding outside of the CFPB XXXX does not comply with federal law. 

ONGOING NONCOMPLIANCE : INTENT TO SUE Your continued reporting of this XXXX Bank account, after : Failing to verify within 30 days Refusing to provide MOV when requested Ignoring deadlines via CFPB submission Reporting materially inconsistent and unverifiable data ... constitutes willful noncompliance under FCRA XXXX and XXXX, exposing your agency to : Actual damages Statutory damages Punitive damages Attorney 's fees and costs Additionally, as a New Jersey resident, I am also protected under XXXX. XXXX et seq., which imposes state-level penalties for inaccurate or unverifiable credit reporting. 

FINAL DEMANDS : You are now required to : Delete the XXXX Bank XXXX ( Acct # XXXX ) from all credit reporting files Cease and desist from re-reporting, modifying, or verifying this account again Provide the complete Method of Verification ( MOV ) for any past verifications Send written confirmation of deletion and a copy of my full updated credit report DEADLINE & NEXT STEPS : If I do not receive full compliance within XXXX calendar days, I will proceed with the following : File formal complaints with the FTC, CFPB, and New Jersey XXXX XXXX Consumer Affairs XXXX XXXX XXXX of filing a civil lawsuit for FCRA violations XXXX XXXX Report this conduct to state and federal consumer rights organizations Youve now had multiple opportunities to comply with federal law. Consider this your final warning before legal proceedings begin. 

Sincerely, 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