Consumer complaint received 2025-05-31 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Final Legal Notice of Intent to File Suit FCRA Violations re : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is my final notice of intent to sue and official demand for compliance with the Fair Credit Reporting Act ( FCRA ) due to multiple, willful, and negligent violations in the handling of my prior disputes regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

BACKGROUND OF DISPUTE My original dispute regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was submitted on XX/XX/XXXX, via the Consumer Financial Protection Bureau ( CFPB ) portal. It was received by the credit reporting agencies as follows : TransUnion confirmed receipt on XX/XX/XXXX, and failed to respond within the XXXX timeframe required under FCRA 611 ( a ) ( 1 ) ( A ). Instead, on XX/XX/XXXX, 202542 days laterTransUnion issued a generic and conclusory statement that the account was " updated '' following the investigation. No meaningful resolution, documentation, or required Method of Verification ( MOV ) was provided, despite my specific demand for it. 

Experian received the dispute on XX/XX/XXXX, and as of XX/XX/XXXX, has not issued any response at all. This is a direct and ongoing violation of the XXXX deadline, and now constitutes a XXXX delay, in clear breach of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ).

Equifax received the dispute on XXXX XXXX XXXX, and responded on XX/XX/XXXX, XXXX  days after receipt, again violating the XXXX requirement. Their response stated that the account was verified as belonging to me and that it had been updated. Equifax further claimed that they obtained additional information from the original source and made changes to multiple account fields including : Scheduled Payment, Actual Payment, Additional Information, and Account History. However, despite my explicit request for the Method of Verification ( MOV ) should the account be verified, Equifax failed to provide any MOV or original documentation. Their vague boilerplate explanation of their reinvestigation process, including electronic communications with the furnisher, does not satisfy the requirements under FCRA 611 ( a ) ( 7 ) or 609 ( a ) ( 1 ).

All three credit bureausTransUnion, Experian, and Equifaxhave failed to lawfully reinvestigate and resolve this dispute in the timeframe mandated by federal law. Furthermore, none have provided the legally required documentation or MOV upon my request, even beyond the additional XXXX grace period. 

LEGAL GROUNDS FOR SUIT You have violated the following federal laws and standards : FCRA 611 ( a ) ( 1 ) ( A ) Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 609 ( a ) ( 1 ) Failure to provide source and documentation of reported data FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification ( MOV ) upon request FCRA 616 and 617 Willful and negligent noncompliance with the FCRA Case Law References : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : A credit reporting agency violates the FCRA if it fails to perform a reasonable reinvestigation.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Willful FCRA violations support claims for statutory and punitive damages.

Richardson v. Equifax Info. Servs., LLC , 2007 U.S. Dist. LEXIS 20746 : Reporting unverified information after the dispute window expired violates FCRA 611 ( a ) ( 5 ) ( A ).

POST-DEADLINE UPDATES ARE LEGALLY INVALID Equifax attempted to modify account fields ( Scheduled Payment, Account History, etc. ) after the expiration of the XXXX window, which is not a lawful substitute for proper verification. According to FCRA 611 ( a ) ( 5 ) ( A ), such information must be deleted when not verified within the time limit. 

Once the statutory clock expires, no updates, modifications, or re-verifications are legally permitted. Any such actions are void and constitute continued publication of inaccurate data. 

UNRESOLVED VIOLATIONS INCLUDE : Reporting conflicting statuses : Charged Off, Profit and Loss Write-Off, Unpaid Balance Reported as a Loss Inconsistent Date of Last Activity, Date Closed, and high balance fields Reporting the account as closed before the dispute was even submitted Failure to produce legally required documentation : signed contract, ledger, Method of Verification ( MOV ), or original furnishing party proof EVIDENCE ON FILE : Original dispute submissions via CFPB.gov on XX/XX/XXXX Second dispute via CFPB.gov on XX/XX/XXXX Proof of identity ( State ID and W-2 Form ) Screenshots of inconsistent reporting and credit report snapshots CFPB Complaint References ( TransUnion, Equifax, Experian ) all included No MOV or original documents provided by any bureau FINAL DEMAND BEFORE LAWSUIT You are hereby given XXXX calendar days to : Permanently delete the XXXX XXXX XXXX  account from all three credit reports Provide written confirmation of deletion via postal mail or the CFPB dispute portal Legal Deadline : XX/XX/XXXX If these demands are not met, I will proceed with the following actions without further notice : File suit in Delaware Small Claims Court XXXX seeking maximum statutory damages allowed ( {$15000.00} per bureau ) File additional complaints with the FTC, Delaware DOJ Consumer Protection Unit , and potentially the Office of the Attorney General Demand recovery for : Statutory damages under FCRA 616617 Actual damages for harm to credit and emotional distress Court costs and filing fees NOTICE OF LAWSUIT I am not requesting verification, correction, or updating of this tradeline. I am demanding deletion, which is now legally mandated under FCRA 611 ( a ) ( XXXX ). 

This is a final legal warning. If this account is not removed by XX/XX/XXXX, I will initiate formal legal proceedings and use this letter and the attached documentation as evidence of willful noncompliance. 

Sincerely, 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