Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Urgent Dispute Regarding Experian 's Non-Response and FCRA Violations To : Experian Information Solutions , Inc . 
Through : Consumer Financial Protection Bureau ( CFPB ) Complaint System This letter serves as an urgent follow-up to my previous dispute concerning inaccurate and unverified information on my credit report. I submitted this dispute on XX/XX/year>. 
It has now been XXXX  days since the date of my original dispute, and I have not received any response, results, or communication from Experian regarding the investigation of the disputed items. This prolonged silence extends far beyond the legally mandated timeframe and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, Experian is in violation of : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This requires a consumer reporting agency to conduct a reasonable reinvestigation of a dispute and report the current status of the disputed information, or delete, modify, or permanently block the reporting of the item within XXXX  days of receiving notice of the dispute ( or XXXX  days under certain specified circumstances ). Your failure to respond by XX/XX/year>, or XX/XX/year>, at the latest, demonstrates non-compliance. 
* 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : This requires the consumer reporting agency to provide a written notice of the results of the reinvestigation to the consumer within XXXX  business days after the completion of the reinvestigation. Your complete lack of communication indicates this requirement has also been violated. 
Given Experian 's outright failure to conduct a reasonable reinvestigation and provide a response within the statutory timeframe, it is evident that you have not, and seemingly can not, verify the accuracy or completeness of the disputed information. 
Therefore, I demand the immediate and permanent removal of all previously disputed items from my Experian credit file due to your fundamental failure to comply with federal law. 
The disputed items include, but are not limited to, the following, which I demand be deleted : * Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect full and immediate compliance with the FCRA and notification of the deletion of these items from my credit report. Be advised that if these items are not promptly removed, I will pursue all available legal remedies under the FCRA to enforce my rights as a consumer.

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