Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
Subject : Failure to Respond Within FCRA Guidelines Immediate Deletion Required Creditor/Agency : XXXX XXXX XXXX Account Type : Collections/Auto Loan Balance Reported : {$2300.00} Original High Balance : {$20000.00} Reporting Bureaus : Experian, TransUnion Date of Original Dispute Filed via CFPB : XX/XX/XXXX Date Today : XX/XX/XXXX To Whom It May Concern : This is a formal and final notice regarding the XXXX XXXXXXXX XXXX  collection account currently being reported on my credit profile by your bureau. I initially filed a dispute through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, citing numerous violations of the Fair Credit Reporting Act ( FCRA ). These included multiple conflicting data points, missing information, unverifiable balances, and a lack of uniformity across reporting bureaus. 

XXXX has already conducted its reinvestigation and confirmed deletion of this account as of XX/XX/XXXX. Meanwhile, Experian and TransUnion have failed to respond with a final resolution within the 30-day period allowed under the FCRA, as clearly outlined in : FCRA 611 ( a ) ( 1 ) ( A ) : Consumer reporting agencies must conduct a reinvestigation and provide written results within 30 days of receiving a dispute. 

As of today, XX/XX/XXXX, more than 30 days have passed, and you have failed to provide any reinvestigation results, any updated account status, or any verification as required by law. This constitutes a direct violation of the FCRA.

Summary of Legal Violations : FCRA 611 ( a ) ( 1 ) : Failure to respond to consumer dispute within 30 days FCRA 611 ( a ) ( 5 ) ( A ) : Data not verified within timeframe must be deleted FCRA 623 ( a ) ( 1 ) ( A ) : Duty to report accurate and complete data Legal Mandate : According to FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified within the 30-day reinvestigation period, it must be permanently deleted from the consumers file. This is not optional and can not be cured, fixed, or updated after the deadline has passed. 

Case law supports this position. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court affirmed that failing to verify within 30 days justifies removal of the disputed information from a consumer credit report. 

It is now legally too late to update, correct, or verify this information. The only lawful remedy is permanent deletion of the tradeline.

Consumer Action & Intent to Litigate : If this account is not deleted within 7 calendar days from the date of this notice, I will proceed with the following actions : Submit an Intent to Sue letter to your legal department.

File a formal complaint in Small Claims Court in New York, seeking the maximum allowable damages, as authorized by state and federal consumer protection laws.

Submit additional complaints to : The Federal Trade Commission ( FTC ) The New York Attorney Generals Office The XXXX XXXX XXXX Media outlets that cover consumer rights and credit reporting abuse Final Demand : I hereby demand the immediate and permanent deletion of this account from both TransUnion and Experian due to : Failure to meet your legal obligations under the FCRA Failure to complete reinvestigation within the required time Failure to provide any proof of accuracy or verification A clear precedent set by XXXX which already removed this account Please consider this my final attempt to resolve this matter amicably and within the legal framework provided under federal law. If you fail to comply, I am fully prepared to escalate through every legal and regulatory avenue available to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX 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