Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally demand Experian Information Solutions , Inc. comply with its legal obligations under the * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., * specifically 1681i ( a ) ( 5 ) ( A ). Experians failure to investigate my dispute within the statutorily mandated 30-day period requires automatic removal of all disputed negative information from my credit file. 

Background On XX/XX/year>, I submitted a written dispute to Experian challenging the accuracy of the following accounts ( all closed, no late payments ) : XXXX XXXX XXXX ( Account # XXXX ) Age : 1 year 8 months. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) Age : 4 years. 
XXXX XXXX ( Multiple Accounts ) Ages : 1819 years. 
XXXX XXXX XXXX ( Account # XXXX ) Age : 5 months. 
XXXX XXXX XXXX ( Account # XXXX ) Age : 1 year 10 months. 
XXXX XXXX  ( Account # XXXX ) Age : 2 months. 
XXXX XXXX XXXX ( Accounts # XXXX, # XXXX, # XXXX ) Ages : 1 year 9 months to 2 years 3 months. 
XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Age : 2 years 10 months. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian had 30 days ( until XX/XX/year> ) to complete its reinvestigation of all disputed accounts and notify me of the results. 

Experians Violations Failure to Investigate Within 30 Days : Experian did not conclude its reinvestigation or provide written notice of findings by the XX/XX/year> deadline. Instead, I first learned of Experians purported resolution on XX/XX/year> 30 days after the statutory deadline and only after CFPB intervention. 
No Written Notice of Results : Experian never sent me a written notice of its investigation results, violating 1681i ( a ) ( 2 ) ( A ).

No Justification for Delay : Experian provided no explanation for the delay or claim that new information extended the 30-day window under 1681i ( a ) ( 1 ) ( A ) ( ii ).

Legal Demands Under 1681i ( a ) ( 5 ) ( A ) : If [ the reinvestigation ] is not completed within the 30-day period, the [ CRA ] shall promptly delete the item from the file... 

All disputed accounts must be removed immediately, including : The XXXX XXXX accounts, The XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX accounts and all other accounts ( XXXX XXXX, XXXX etc. ), which Experian failed to reinvestigate timely. 

CFPBs Role I request that the CFPB : Investigate Experians willful violation of the FCRAs 30-day reinvestigation rule.

Compel Experian to remove all disputed accounts within 10 business days.

Enforce penalties under 1681n/o for Experians noncompliance.

Next Steps If Experian refuses to act : I will file a lawsuit in federal court for statutory damages ( {$100.00} {$1000.00} ), punitive damages, and attorneys fees under 1681n/o.

I will file a complaint with my state attorney general for additional remedies.

Attached are copies of my dispute letter to Experian, proof of submission, and documentation of the delayed response. Please contact me at the number/email above with updates.

Thank you for your urgent 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