Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
XXXX HAS FAILED TO RESPOND TO MY DISPUTE SENT VIA CERTIFIED MAIL ON XX/XX/year>. RECEIVED ON XX/XX/year>. 

12 CFR PART 1022.43 STATES THAT FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE MUST CONDUCT A THOROUGH AND TIMELY INVESTIGATION. 30 DAYS.

15 USC 1681S-2B ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information.

15 USC 1681i STATES : a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

IT HAS EXCEEDED THE 30 DAY TIME LIMIT PLACED ON FURNISHERS OF INFORMATION. 

I CALLED XXXX ON SEVERAL OCCASIONS TO ADDRESS THE MATTER AT HAND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EACH TIME I WAS ASSURED THAT THE DISPUTE WOULD BE HANDLED ACCORDINGLY AND IT WAS STILL PENDING. 

XXXX HAS FAILED TO SEND ME CERTAIN DISCLOSURES REQUIRED BY LAW. 
XXXX HAS VIOLATED MY PRIVACY. 
12 CFR PART 1016 STATES THE DISCLOSURES THAT MUST BE GIVEN INCLUDING OPTING OUT. 
I NEVER GAVE XXXX WRITTEN PERMISSION TO SHARE MY NON PUBLIC INFORMATION WITH ANY THIRD PARTIES.

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