Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausExperian, XXXX, and XXXX to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To dateXXXX XXXX : After filing my dispute well outside the 30-day window, XXXX recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

Experian : Experian responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

XXXX : XXXX has entirely failed to respond to my dispute, again violating the FCRAs 30-day requirement. To date, I have not received any communication from XXXX regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of Experian, XXXX, and XXXX to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws. 

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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