Consumer complaint received 2025-06-09 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:
To : Experian / Equifax / TransUnion From : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX Digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Subject : Formal Intent to Sue Final Opportunity for Deletion of Unverified Account Account in Dispute : XXXX XXXX XXXX Alternate Names Listed : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$400.00} NOTICE OF INTENT TO SUE This communication serves as a final and formal notice of intent to pursue legal action against Experian, Equifax, and TransUnion for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple legitimate disputes and a Final Demand for Immediate Deletion submitted on XX/XX/XXXX, which included state-issued identification and a XXXX as legally sufficient proof of identity and address, you have all failed to respond properly within the statutory timeframes. This matter is no longer eligible for cure under the law. Your failure to delete the unverified, inconsistent, and disputed account violates my consumer rights and has caused measurable harm. 

CHRONOLOGY OF NONCOMPLIANCE Initial CFPB Disputes Filed : XX/XX/XXXX TransUnion Received : XX/XX/XXXX No response to date Experian Received : XX/XX/XXXX No response to date Equifax Received : XX/XX/XXXX Responded on XX/XX/XXXX with a generic stall letter, 31 days later, violating the FCRA time requirement. 
All disputes included complete identity and address verification : Government-issued ID W-2 for proof of address Equifax responded to other disputes using the same exact verification documents, proving that their XX/XX/XXXX identity verification letter was an intentional delay tactic. 

LEGAL VIOLATIONS INVOLVED Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate and verify disputed account within 30 days.

611 ( a ) ( 6 ) Failure to provide written results within 5 business days of investigation.

611 ( a ) ( 7 ) Failure to comply with Method of Verification ( MOV ) request.

607 ( b ) Failure to maintain maximum possible accuracy across reports.

609 ( a ) ( 1 ) Failure to disclose all sources, origins, and records related to the disputed account.

Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Failure to validate debt when requested ( including itemized statements, chain of title, signed contract, and NY collection license ).

RELEVANT CASE LAW SUPPORTING IMMEDIATE DELETION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) CRAs must go beyond the furnishers word. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) If the source can not verify, deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to verify in time mandates deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Re-reporting unverifiable info is unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Ignoring a MOV request is a standalone FCRA violation. 
DEMAND FOR RELIEF You are hereby notified that : You have exceeded all statutory timelines to verify this account. 
You have ignored or failed to lawfully respond to a properly submitted Method of Verification request.

You have continued to report materially inconsistent and unverifiable information. 
You have caused emotional distress, credit denial, and financial harm. 
I am prepared to file a civil lawsuit in New York XXXX XXXX XXXX XXXX, seeking the maximum statutory damages allowed per the following provisions : FCRA 616 ( Willful Noncompliance up to {$1000.00} per violation ) FCRA 617 ( Negligent Noncompliance actual damages plus costs ) FDCPA 813 ( Statutory and actual damages, including attorneys fees ) I also intend to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The New York XXXX XXXX XXXX XXXX XXXXXXXX OPPORTUNITY TO RESOLVE You have XXXX calendar days from the receipt of this notice to : Permanently delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from all of my credit reports. 
Provide a written confirmation of deletion and a copy of my updated consumer report. 
Failure to comply will result in the immediate filing of legal claims without further warning. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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