Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
XXXX asked for a little more time from cfpb XX/XX/XXXX after the complaint was sent XX/XX/XXXX. They did a poor investigation and I disputed it again and havent heard back from XXXX  XXXX. I sent XXXX more complaints through cfpb XX/XX/XXXX no response yet. 


Dear CEO, Manager or Supervisor Re : Failure to Enter Required Notice of Dispute I am formally requesting that the following inaccurate information be removed due to violations of the Fair Credit Reporting Act FCRA ). 
Under Section 623 ( a ) ( 3 ), if a consumer notifies a furnisher of a dispute regarding the completeness or accuracy of information, the furnisher is prohibited from reporting this information to a consumer reporting agency ( CRA ) without providing notice of the dispute.

Additionally, when a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of reported information, the furnisher is required to : 1. Conduct an Investigation : Review all relevant information provided by the CRA and the consumer. ( Sections 623 ( b ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( B ) 2. Report Investigation Results : Notify the CRA of the results and, if the information is incomplete or inaccurate, notify all CRAs to which the furnisher reported the information.

( Sections 623 ( b ) ( 1 ) ( C ) ) 3. Complete the Investigation Promptly : Resolve the dispute within 30 days ( or 45 days if additional relevant information is provided ). ( Section 623 ( b ) ( 2 ) ) 4. Modify, Delete, or Block Information : Promptly correct or remove inaccurate information.

( Section 623 ( b ) ( 1 ) ( E ) ) Failure to comply with these procedures constitutes a negligent or willful violation of the FCRA. I reserve the right to seek legal action for violations under Sections 611 ( a ), 616, and 617 of the FCRA ( 15 U.S.C. 1681i ( a ), 1681n, and 1681o ). Relevant case law, such as Cushman v. Trans Union Corp. ( 920 F. Supp. 80, E.D. Pa. 1996 ) and Cushman v. Trans Union Corp. ( 115 F.3d 220, 3d Cir. 1997 ), supports this right.

I recently disputed the following inaccurate information with you. Upon reviewing my updated credit report on the 31st day after you received my initial dispute letter, I found that the required notice of dispute was not present. This is a clear violation of FCRA 623 ( a ) ( 3 ), and this information can not legally be reported.

Disputed Accounts : [ All 19 XXXX XXXX accounts ] I demand the immediate removal of the above-referenced accounts from my credit report. 
Additionally, I expect written confirmation that these accounts will be removed, from my credit report reflecting the removal within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.

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