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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX DOB  : XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Follow-Up Dispute & Final Demand for Deletion Subject : Failure to Provide Timely Verification and Method of Verification ( MOV ) Final Demand for Deletion of Inaccurate Account To : TransUnion / Experian / Equifax Re XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX To Whom It May Concern, This is a formal follow-up dispute and final demand for deletion pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the continued reporting of a collection account by XXXX XXXX XXXX XXXX ( a.k.a . XXXX XXXX XXXX ). 

Summary of Prior Dispute History : Initial Dispute Date : XX/XX/XXXX CRAs Received Dispute : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX CRA Responses : TransUnion : Responded XX/XX/XXXX marked as Active Dispute ( beyond XXXX limit ) Equifax : Responded XX/XX/XXXX Verified, no MOV provided Experian : Responded XX/XX/XXXX Verified, no MOV provided These responses are untimely, noncompliant, and fail to meet legal obligations under the FCRA. 

Violations Committed : 1. Failure to Complete Reinvestigation Within 30 Days Under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), a consumer reporting agency must complete reinvestigations within 30 days of receiving a dispute.

2. All 3 agencies exceeded this deadline, rendering any verification legally invalid.

Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), any item that can not be verified must be deleted from the credit file.

3. Failure to Provide Method of Verification ( MOV ) As per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests it, you are legally required to provide the method used to verify the information, including the name, address, and phone number of the furnisher. 

In my original dispute, I explicitly requested the MOV if the account was verified. 
To date, none of the three CRAs have fulfilled this requirement, which is a direct violation of federal law. 

Multiple Reporting Inaccuracies Conflicting dates of last activity : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including an impossible future date. 

Mixed account statuses ( Open vs Closed ) and conflicting original creditor info. 

Duplicate reporting under variations of XXXX XXXX name. 

No payment history or evidence of ownership/assignment from original creditor ( XXXX XXXX XXXX XXXX XXXX 
All of the above violate FCRA 607 ( b ) ( reasonable procedures to ensure maximum accuracy ) and FDCPA 809 ( b ) ( requirement to validate debt upon request ).

Applicable Case Law & Precedent : Richardson v. Equifax, No. 2:18-cv-00474 Reinforces that failure to verify within 30 days requires deletion.

Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must do more than rely on the furnisher ; they are liable for failing to conduct reasonable investigations.

Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) A failure to delete unverifiable information violates FCRA. 

My Final Demands : Immediately Delete the XXXX XXXX XXXX XXXX account from all three bureaus due to : -Failure to verify in time -Refusal to provide MOV -Reporting of materially inaccurate and unverifiable information -Non-compliance with multiple FCRA and FDCPA provisions Provide the Method of Verification in writing per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) if you claim this item remains accurate.

Cease and Desist all further reporting or updates to this account. At this point, repair, correction, or updates are not legally permissible the only allowable action is permanent deletion.

Notice of Intent to Sue If this item is not removed within 15 days, I will pursue legal remedies for the following violations : FCRA 611 ( a ) Untimely reinvestigation FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide MOV FCRA 607 ( b ) Reporting inaccurate and conflicting data FDCPA 809 ( b ) Failure to validate debt upon request This will include a civil complaint, filed with supporting evidence of your failure to comply with federal law. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation