Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Final Demand Due to Non-Compliance FCRA Violation XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX  ) To Whom It XXXX Concern, On XX/XX/XXXX, I submitted a formal dispute requesting a full reinvestigation of the XXXX XXXX account reporting under account number XXXX XXXX XXXX XXXX. Both TransUnion and Experian received this dispute on XX/XX/XXXX, and XX/XX/XXXX, respectively, according to official tracking and CFPB.gov. 

As of XX/XX/XXXX, over XXXX days have passed, and I have not received any response from either bureau. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ), which clearly mandates a response within XXXX  days from the date of receipt. 

Additionally, failure to provide a written notice of results of reinvestigation and any supporting documentation, or notice of refusal to reinvestigate, is a violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 

You Are Now in Violation of Federal Law Given your failure to comply, I am asserting the following : You have forfeited your right to cure, amend, or update the information on this account. 
You have failed to verify the information, rendering it unverifiable under FCRA XXXX ( a ) ( XXXX ) ( A ). 
The continued reporting of this account without full verification and without resolution of material discrepancies constitutes negligent or willful noncompliance with the FCRA. 

Applicable Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX must go beyond parroted data and conduct a real, reasonable investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX who fail to verify disputed data XXXX be liable for XXXX 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX. XXXX ( S.D. Ohio XXXX ) : Failure to respond to disputes constitutes a violation of the FCRA warranting deletion. 

Demand for XXXX Removal Within XXXX Days This letter serves as final notice and demand. Due to your failure to respond, failure to reinvestigate, and failure to verify the accuracy of the XXXX XXXX account : I demand that this account be IMMEDIATELY DELETED from my credit report within XXXX calendar days of receipt of this notice. 
If you fail to remove the account by XX/XX/XXXX, I will take the following legal actions : File an official complaint with the Consumer Financial Protection Bureau ( CFPB ) File a lawsuit in small claims court for violations of XXXX U.S.C. XXXX, XXXX, and XXXX ( b ) Seek statutory damages of {$1000.00} per violation, and pursue actual and punitive XXXX  for willful noncompliance, as provided under FCRA XXXX and XXXX This is not a new dispute. This is a legal demand based on your noncompliance with federal law. 

Optional Method of Verification ( if retained for emphasis ) : If you have verified this account without documentation, I additionally demand the Method of Verification ( MOV ) under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) including : The name, phone number, and mailing address of the furnisher who verified the data. 
The method used and documentation relied upon. 
You have now been placed on notice. 

Please provide written confirmation that this account has been permanently deleted from your reporting system within XXXX days. 

Supporting Documentation Equifax Deleted the Account Attached is proof from the XXXX dispute record that Equifax has already removed the XXXX XXXX account from their records following the original dispute. This clearly indicates that : The account could not be verified. 
The reporting was inaccurate or incomplete. 
Your failure to do the same constitutes non-uniform and negligent reporting, in direct violation of FCRA XXXX ( b ). 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID, Screenshot of Account Discrepancies, Proof of Initial Dispute

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