Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I am filing this complaint against Experian for their failure to respond to my dispute letter dated : XX/XX/year>, ( USPS Certified mail tracking number XXXX ) XX/XX/year> XX/XX/year> in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumers dispute. 
On my last dispute letter dated XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into the following inaccurate negative accounts and bankruptcy entries on my credit report : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is reported inaccurately, and Experian has failed to provide verification or correct the errors. 
XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided. 
XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided. 
Bankruptcy Reporting : Federal Reference Number : XXXX, Court Name : XXXX XXXX XXXX XXXX XXXXXXXX This entry is incomplete and lacks verification details. 
In my dispute letter, I specifically requested that Experian provide details on how and from whom they are verifying the bankruptcy entries. To ensure my identity was verified, I included copies of my government-issued ID, Social Security card , and proof of address with the dispute letter. 
As of XX/XX/year>, Experian has not responded to my dispute letter, failing to meet the 30-day requirement for conducting a reinvestigation under FCRA 1681i. This non-response constitutes a direct violation of my consumer rights and has prevented me from ensuring the accuracy of my credit report. 
Due to Experians failure to comply with FCRA requirements, I am demanding the permanent removal of the disputed items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and the bankruptcy entry ( Federal Reference Number : XXXX, Court Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my credit report. 
Impact of Experians Actions : Experians failure to respond to my dispute has caused significant harm, including potential damage to my credit score, financial opportunities, and emotional distress. Their inaction has hindered my ability to correct inaccurate information, undermining my consumer rights under the FCRA. 
Supporting Documentation : Copy of my dispute letters Copies of my government-issued ID, Social Security card , and proof of address ( submitted with the dispute letter ) Proof of mailing for the dispute letter ( e.g., certified mail receipt, if available )

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