Consumer complaint received 2025-10-19 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 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN XXXX  DAYS ; FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION ( M.O.V. ) Creditor : TBOM/CONTFIN ( XXXX XXXX XXXX XXXX XXXXXXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is a formal notice of noncompliance and demand for deletion pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I disputed the above account via the CFPB portal. Under FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through XXXX are legally equivalent to direct disputes and trigger all duties under 607 ( b ), 611, and 623, including completion of a reasonable reinvestigation within XXXX  days and deletion of unverifiable/inconsistent information. 

A. Timeline of Noncompliance TransUnion Received XX/XX/XXXX Responded XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  days elapsed Violation of 611 ( a ) ( 1 ) ( A ). 
Equifax Received XX/XX/XXXX Responded XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  days elapsed Violations of 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) ( failure to delete when not timely completed ). 
XXXX  Received XX/XX/XXXX Responded XX/XX/XXXX ( Potential fraud involved ). XXXX  days elapsed Violations of 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( failure to notify and resolve within XXXX  days ). 

Because the XXXX reinvestigation window was exceeded, deletion is required. See 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX Inaccuracies After Your Verifications Despite your responses, my current reports still show contradictory and incomplete data for the same tradeline. Continuous publication of inconsistent data is an ongoing violation of 607 ( b ) ( maximum possible accuracy ) and demonstrates an unreasonable reinvestigation under 611. 

Side-by-Side Items Now ( Post-Response ) : Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Account Type : TransUnion XXXX XXXX XXXX  Credit Card Equifax : XXXX XXXX XXXX TransUnion : Blank Equifax : Charged-off account XXXX  XXXX XXXX balance reported as a loss by XXXX XXXX ; purchased by another lender XX/XX/XXXX Late : TransUnion : XXXX Equifax : XXXXXXXX XXXX XXXX XXXXXXXX Months Reviewed : TransUnion XXXX XXXX Equifax : XXXX XXXX XXXX  XXXX Term Source Type / Term XXXX : TransUnion XXXX Blank / ( column not reported ) Equifax : Blank / XXXX XXXX XXXX  Blank / ( column not reported ) High Balance XXXX TransUnion & Equifax : {$660.00} Experian : {$0.00} High Credit : TransUnion XXXX XXXX  XXXX {$500.00} Equifax : {$0.00} Payment History ( % XXXX ) XXXX TransUnion : No XXXX available Equifax : 82 % on-time Experian : 33 % on-time A single account can not lawfully have XXXX different last-activity dates, mixed charged-off/good-standing inferences, and conflicting balances/limits and payment histories. See FCRA 607 ( b ), 611 ( a ) ; and case law : XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( independent, reasonable reinvestigation required ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) ( misleading information is inaccurate ) ; XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( incomplete reporting violates FCRA ) ; XXXX XXXX Equifax, XXXX XXXX XXXX ( conflicting CRA data violates XXXX ( b ) ). 

XXXX XXXX XXXX XXXX ( b ) Maximum possible accuracy obligation. 
XXXX ( a ) ( XXXX ) ( A ) XXXX reinvestigation deadline. 
XXXX ( a ) ( XXXX ) CRA duties during reinvestigation ( including notifications ). 
XXXX ( a ) ( XXXX ) ( A ) Deletion where information can not be verified or investigations are not timely completed. 
XXXX ( a ) ( XXXX ) ( B ) ( iii ) Written Method of Verification ( XXXX. ) required if verified. 
XXXX ( a ) ( XXXX ) ( A ) Furnishers XXXX not report information known or reasonably should be known to be inaccurate. 
XXXX ( a ) ( XXXX ) XXXX  disputes must be treated the same as direct disputes. 

XXXX Formal Demands XXXX ) XXXX Deletion You failed to complete reinvestigations within XXXX  days. Under XXXX ( a ) ( XXXX ) ( A ), delete the XXXX tradeline from your files. 

XXXX ) If Not Deleted, Provide Full Method of Verification ( XXXX  ) Within XXXX  Days If any bureau insists the item was verified, provide a complete XXXX. for : This XX/XX/XXXX dispute ; and Any prior verifications you rely upon. 
Your XXXX  must include : XXXX full name, address, and phone number ; Date/method of each contact ; identity of the verifying representative ( XXXX ) ; Copies of all records relied upon ( contracts, statements, payment histories, screen captures, XXXX responses, etc XXXX ) ; Any XXXXparty databases used ( name/source and retrieval date ) ; A point-by-point explanation reconciling the conflicting dates, balances/limits, remarks, months reviewed, and payment histories across all three CRAs. 

Note : Generic statements such as the furnisher verified the account are noncompliant with XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

XXXX XXXX Cease Publishing Inconsistent/Unverifiable Data Ongoing reporting of contradictory items described above constitutes continuing violations of 607 ( b ) and 611. 

XXXX XXXX & Notice Deletion/Results : Already overdue ; act immediately. 
XXXX. : If you refuse deletion and claim verification, provide the complete XXXX. within XXXX  days of your verification notice. 

Failure to comply will result in complaints to the CFPB, FTC, and XXXX XXXX Attorney General, and consideration of civil action under XXXX for willful/negligent noncompliance ( statutory, actual, and punitive damages, plus attorneys fees ). 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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