Consumer complaint received 2025-08-01 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 / TransUnion From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject Account : Debt Collector : XXXX XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Balance Reported : {$400.00} Alternate Names Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : CONTINUED VIOLATIONS OF FCRA & FDCPA DEMAND FOR PERMANENT DELETION To Whom It May Concern : This letter serves as my Final Demand for Immediate Deletion and a formal Method of Verification ( M.O.V. ) request pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the above-referenced collection account. 

Despite multiple formal disputes submitted through CFPB.gov, which is a federally governed process recognized under FCRA, you have failed to comply with federal law in a timely and lawful manner. XXXX has already removed this account, acknowledging the validity of my position. The continued reporting of this unverifiable and inconsistent account by Experian and TransUnion constitutes willful noncompliance with multiple provisions of FCRA and FDCPA. 

DISPUTE & RESPONSE TIMELINE : Initial Dispute Sent ( via CFPB & Certified Mail ) : XX/XX/XXXX All bureaus received disputes with full identification : State ID, W-2, and Screenshots of the conflicting information. 

Issues raised included : conflicting names, reporting dates, statuses, missing original creditor info, contradictory payment history, and unverifiable data. 
The account contained inherent and material contradictions across each bureaus reporting. 

XXXX XXXX Responses : TransUnion : Received XX/XX/XXXX Responded XX/XX/XXXX ( 43 days later ) No M.O.V. Status : Active Dispute ( Late + noncompliant ) Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( 57 days later ) Generic verified response without documentation ( Late + noncompliant ) XXXX : Responded XX/XX/XXXX ( Day 31 ) with ID verification delay ( Stalling tactic + violation ) Second Dispute Sent ( Final Demand ) : XX/XX/XXXX Full legal demand with case law, statutes, and repeated ID/documentation provided again. 
TransUnion : Marked as duplicate on XX/XX/XXXX illegal bypass of statutory obligations. 
Experian : Responded XX/XX/XXXX with another generic verified notice still no M.O.V. or documentation. 
XXXX : Deleted the account from credit file completely proving no valid grounds for continued reporting. 

RELEVANT FCRA & FDCPA VIOLATIONS : FCRA 611 ( a ) ( 1 ) ( A ) 30-Day Reinvestigation Requirement Each bureau failed to complete a lawful reinvestigation within 30 days. This mandates removal of the account.

FCRA 611 ( a ) ( 6 ) Failure to Provide Reinvestigation Results No bureau provided written reinvestigation results with supporting documentation within 5 business days of completion.

FCRA 611 ( a ) ( 7 ) Method of Verification ( M.O.V. ) You failed to provide : The
name of the party who verified the data The method used to verify it Copies of documentary evidence This is a separate and actionable FCRA violation.

FCRA 607 ( b ) Duty to Report with Maximum Possible Accuracy Reporting included : Different statuses : Open, Charge-Off, Placed for Collection Different names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Conflicting payment histories : e.g., XXXX reported 100 % on-time payments on a delinquent collection This is blatant misreporting and materially misleading. 

FCRA 609 ( a ) ( 1 ) Right to Access Full File You failed to produce documents related to the original creditor, contract, or itemized statementsall of which were explicitly requested. 

FDCPA 809 ( b ) Validation of Debt No documentation provided, including : Signed agreement with the original creditor Chain of title proving ownership by XXXX XXXX XXXX Itemized billing statements Proof of XXXX XXXX XXXX license to collect in New York APPLICABLE CASE LAW PRECEDENT FOR DELETION : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Bureaus must go beyond furnishers word in disputesyour failure to do so is actionable. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : If the source can not verify, bureaus must delete disputed data. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : Delayed or inadequate response to dispute requires deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to respond to an M.O.V. request is a standalone FCRA violation. 
XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : Continuation or reinsertion of unverifiable accounts is unlawful. 

FINAL DEMANDS : Immediate Deletion of the XXXX XXXX XXXX Account This account has now been proven unverifiable and inaccurate. 
XXXX  has deleted it. Your failure to do so is discriminatory and illegal. 
Written Confirmation of Deletion Provide an updated credit report and deletion confirmation per FCRA 611 ( a ) ( 6 ).

Escalation Required This matter must be escalated immediately to a senior-level compliance manager or legal department.

Failure to remove this account constitutes willful noncompliance under FCRA 616 and FDCPA 813. 
NEXT STEPS IF NONCOMPLIANT : If you fail to remove this account within XXXX calendar days, I will take the following actions without further notice : File a Notice of Intent to Sue Initiate civil and/or federal litigation seeking : Statutory damages Actual damages Attorneys fees Punitive damages where applicable File formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission XXXX FTC ) New York State Attorney Generals Office Let this serve as formal legal notice that time to fix or update this file has expired. This matter is no longer open for investigation or delay. All supporting documentation has already been submitted twice, and CFPB disputes are federally governed and carry the same legal authority as written disputes under FCRA. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, NY 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