Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
FINAL DEMAND TO CORRECT PERSONAL INFORMATION/FAILURE TO RESPOND WITHIN 30 DAYS. 

To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : FINAL NOTICE FAILURE TO CORRECT PERSONAL INFORMATION WITHIN REQUIRED FCRA TIMEFRAME Dear TransUnion, Equifax, and Experian, This is a final demand regarding the dispute I submitted beginning on XX/XX/XXXX2025, with the request to correct and remove inaccurate personal identification information from my credit report. 

Background and Timeline : XX/XX/XXXX2025 I submitted a formal written dispute and verification documents to all three bureaus via cfpb.gov. 
XX/XX/XXXX 2025 Equifax received my dispute. Responded XXXX/XXXX/2025 Exceeding the 30 day timeframe. 
XX/XX/XXXX 2025 Experian received my dispute. Still no response as of XXXX/XXXX/2025 XX/XX/XXXX2025 TransUnion responded vaguely ( also exceeding the 30 day timeframe ), stating they mailed a credit report without addressing or resolving my specific dispute.

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit bureaus are required to complete reinvestigation and correction within 30 days of receiving a dispute. As of XX/XX/XXXX2025, all three bureaus have failed to fully correct or remove the disputed and inaccurate personal information. 

FINAL REQUEST Correct and Remove the Following : Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Remove all other name variations, e.g., XXXX XXXX XXXX, XXXX XXXX, etc. ) Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( Remove all other current & previous addresses ) Phone Number : ( XXXX ) XXXX ( Remove all other numbers ) Email Address : XXXX ( Remove all other email addresses ) Employer : XXXX XXXX XXXX XXXX ( Remove all other employment history ) Information to REMOVE Immediately : 1. TransUnion : Remove employer listed as XXXX XXXX and replace it with XXXX XXXX XXXX XXXX. 
Remove any phone numbers, or emails not matching those above. 

2. Experian : Correct name from XXXX XXXX to XXXX XXXX XXXX. 
Remove incorrect current address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Remove previous address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Retain only XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Current & Only XXXX ) XXXX any phone numbers, or emails not matching those above. 

3. Equifax : -Correct name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Remove previous address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. 
-Remove any phone numbers, or emails not matching those above. 

Legal Basis and Warning : You have had more than 30 days to investigate and correct these matters, as required by the FCRA. Your failure to resolve this within the legal time frame constitutes non-compliance with federal law. 

If this matter is not resolved within XXXX calendar days of receipt of this final notice, I will escalate this matter. I also reserve the right to pursue civil legal action for damages resulting from willful non-compliance. 

Enclosures : Copy of my valid Passport Proof of current address ( utility bill/lease ) Highlighted screen shot of the incorrect information listed from credit bureaus previous dispute with cfpb of all 3 credit bureaus exceeding the 30 day timeframe.

Please give me a written confirmation that my credit file has been corrected as requested. Please respond to the address or contact information provided above and/or respond to the XXXX 

Sincerely, 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