Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
Dear Transunion/Experian, I am writing in response to your correspondence regarding my dispute of the account XXXX XXXX XXXX XXXX XXXX XXXX. While I appreciate your response, I am deeply concerned that your investigation has failed to meet the legal obligations set forth under the Fair Credit Reporting Act ( FCRA ), specifically regarding the 30-day dispute resolution requirement.

As you are aware, under 15 U.S.C. 1681i ( a ), you are required to investigate any disputes filed by a consumer and complete this investigation within 30 calendar days from the date of receipt of the dispute. This investigation must include reviewing all relevant information and ensuring that the disputed information is accurate and complete. The law mandates that you make your determination and provide the consumer with the results of this investigation within this XXXX period. 
Your failure to resolve this dispute within the XXXX timeframe has resulted in a direct violation of my rights under the Fair Credit Reporting Act. As such, I am holding you accountable to the following : 1. Immediate Deletion of Inaccurate Information : As required by 15 U.S.C.

1681i ( a ) ( 5 ), if you can not verify the accuracy of the disputed information within 30 days, you must immediately delete the information from my credit report. The information regarding [ Account Name and Number ] is clearly inaccurate, and I request that you remove it from my credit report immediately.

2. Enforcement of the 30-Day Rule : The law clearly stipulates that disputes must be handled promptly within the 30-day period. As you have failed to comply, I expect you to take immediate corrective action, including removing this erroneous account from my credit file and notifying me of the deletion as required by law.

3. Failure to Investigate and Report : If this dispute is not resolved promptly, I will take legal action for willful noncompliance under 15 U.S.C. 1681n, including seeking damages for violations of the FCRA and potential claims under the Fair Debt Collection Practices Act ( FDCPA ). I will also pursue claims for defamation and harm to my creditworthiness.

Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you are also required to notify me of the results of your investigation in writing within 30 days. If I do not receive a resolution within that time, I will interpret this as a failure to comply, and I will escalate the matter to the appropriate authorities.

Deadline for Compliance : You now have 0 days remaining from the receipt of this letter to resolve the dispute and remove the inaccurate information from my credit report. I expect to receive written confirmation of the deletion by XX/XX/year>. 
I trust you will act promptly to rectify this situation. If this matter is not resolved by the deadline, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorney general offices, as well as seeking damages in court. 
Thank you for your immediate attention to this matter. 
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