Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Date : XX/XX/XXXXXXXX  To : XXXXnTransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Final Notice of Dispute Escalation Failure to Comply With Federal Law/ Demand Of Method Of Verification Account Number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Amount : {$750.00} To Whom It May Concern, This letter serves as a formal escalation and final demand for the immediate deletion of the above-referenced account from my credit reports.

On XX/XX/XXXX, I submitted a certified dispute letter to TransUnion, Equifax, and Experian, in accordance with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] and the Fair Debt Collection Practices Act ( FDCPA ) 809 [ 15 U.S.C. 1692g ], disputing the accuracy and validity of this account. That dispute was also submitted to the CFPB on XX/XX/XXXX. 

As of XX/XX/XXXX, more than 30 days have passed with no response from the credit bureaus despite all of them responding they received it on XX/XX/XXXXXXXX  from the CFPB platform. According to FCRA 611 ( a ) ( 1 ) ( A ), a credit bureau must complete its reinvestigation within 30 days of receiving a dispute. If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). Not only did all three credit bureaus fail to respond to my dispute within the required 30-day period under the FCRA, but none of them provided any notice or update requesting additional time to extend the investigation to 45 days, as required by law. This further confirms their noncompliance and strengthens the basis for deletion of the account. 

Because the credit bureaus have exceeded the 30-day statutory time frame required to complete their reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), this dispute is now beyond correction or verification. Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed information can not be verified within that time, it must be deleted from the consumers credit file. At this stage, any attempt to verify or amend the account after the legal deadline is invalid, and therefore, this account can not be cured, fixed, or verified it must be permanently removed in accordance with federal law.

This account remains on my file without any response, validation, or documentation. Therefore, per federal law, you are now required to delete it. 

Summary of Violations and Legal Failures : 1 Failure to Respond in 30 Days\nPer FCRA 611 ( a ) ( 1 ) ( A ), you had 30 days from receipt of my XX/XX/XXXX dispute ( via cfpb.gov ) to respond. You failed to do so, which makes continued reporting unlawful. 


2 Inability to Verify = Mandatory Deletion\nPer FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified within 30 days, you are required to deletethe account from the consumer file. No verification has been provided, thus deletion is required by law.

3 Reporting Conflicting Information\nThe same account is listed under multiple names, with contradictory statuses, payment histories, and dates, violating the FCRA 's requirement for maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 


4 Duplicate and Conflicting Listings Different names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Different statuses : Open / Closed Conflicting dates of last activity Conflicting account comments and payment histories 5 Failure to Provide Method of Verification\nUnder FCRA 611 ( a ) ( 7 ), I requested the Method of Verification ( MOV ), including : Name of the data furnisher Contact details Verification systems used Documents used in verification\nThis was never provided, which is a clear violation of federal law. 

DEMANDS FINAL NOTICE BEFORE LEGAL ACTION : I am demanding the following actions immediately and without further delay : 1 Permanent Deletion of the Account \nDue to non-verification within 30 days and conflicting data in reporting, this account must be immediately removed from all three credit reports, pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

2 Written Confirmation of Deletion\nProvide a signed written notice confirming the full removal of the account from my credit file.

3 Failure to Comply Will Result in Legal Action\nContinued failure to comply constitutes willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and negligent noncompliance under FCRA 617 [ 15 U.S.C. 1681o ] .\n I will not hesitate to pursue : Statutory damages up to {$1000.00} per violation Actual damages Legal costs and attorneys fees Punitive damages for willful noncompliance I have kept all certified mail receipts, copies of my disputes, and documentation of no response, and I am fully prepared to proceed with complaints to : The Consumer Financial Protection Bureau The Federal Trade Commission The New York State Attorney Generals Office And file a civil lawsuit in Small Claims or Federal District Court , as necessary Method of Verification under FCRA 611 ( a ) ( 7 ). 

Please provide 1. Name and contact information of the data furnisher, the specific documents or systems used to verify the account.

2. Detailed description of your verification procedure for this account and how you verified the account. 

Note. 
The credit bureau must provide the information or evidence they received from the creditor/furnisher that verifies the accuracy of the reported data. 

This can be : Account statements, Payment histories, Confirmation from the creditor that the debt is yours, Or any other verification the creditor used.

I am requesting the Method of Verification as required under Section 1681i ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which mandates that the credit reporting agency conduct a reasonable investigation and provide verification of the disputed information.

Final Deadline for Compliance : You have 7 business days from receipt of this letter to provide written confirmation of deletion. Any further delay or refusal to comply will result in immediate escalation to legal counsel and applicable regulatory agencies.

Sincerely, 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