Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i is specific to the Fair Credit Reporting Act ( FCRA ) and outlines the procedures to be followed by credit reporting agencies when handling disputes regarding the accuracy of information in a consumer 's credit report. It has been more than 30 days.

Section 1681i sets forth the timeline and requirements for conducting investigations and resolving disputes. Specifically, it states that : 1. Within 30 days of receiving a consumer 's dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information.

2. The investigation should include reviewing relevant information provided by the consumer, communicating with the furnisher of the information ( e.g., the creditor or collection agency ), and verifying the accuracy of the disputed information.

3. If the investigation finds that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete or modify the disputed information from the consumer 's credit report.

4. The credit reporting agency must provide written notice to the consumer of the results of the investigation and any actions taken to modify or delete the disputed information.

5. If the consumer 's dispute includes supporting documentation, the credit reporting agency must consider that information during the investigation.

6. The credit reporting agency should provide the consumer with a free copy of their updated credit report if changes were made based on the investigation.

If the credit reporting agency fails to comply with the requirements of Section 1681i, it may be subject to penalties and potential liability for damages under the Fair Credit Reporting Act.

By referencing 15 U.S. Code 1681i in your dispute letter, I am asserting my rights under the Fair Credit Reporting Act and requesting that the credit reporting agency adhere to the appropriate procedures to resolve the dispute within the prescribed timeframe. 


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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