Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Failure to Investigate Disputed Items Violation of FCRA Regulations Report Number : XXXX To Whom It May Concern, I am writing to formally notify you of Experians failure to properly investigate several items in my previous dispute, submitted under Report Number XXXX on XX/XX/year> via Certified Mail [ XXXX ]. After reviewing Experian 's response which was a completed dispute email and results on XX/XX/year>. I found that multiple accounts I disputed were not investigated, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). If an item is not verified within this period, it must be deleted from my credit report ( FCRA 611 ( a ) ( 5 ) ). Since Experian failed to investigate the following accounts within the required time frame, I am demanding their immediate removal from my credit report : XXXX  XXXX  XXXX ( Account ending in XXXX ) Charged off XXXX XXXX ( Account ending in XXXX ) Charged off XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Collection account ( {$520.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Charged off ( {$2800.00} past due ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Charged off ( {$960.00} past due ) XXXX XXXX XXXX XXXX Account ending in XXXX ) Collection account ( {$110.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Collection account ( {$1400.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Collection account ( {$440.00} past due ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Charged off ( {$1700.00} written off ) XXXX XXXX  XXXX XXXX Account ending in [ Add if available ] ) Collection account XXXX XXXXXXXX ( Account ending in XXXX ) Collection account XXXX XXXX XXXX ( Account ending in XXXX ) Collection account As of today, I have not received a response from Experian in regards to the listed accounts that was not disputed as per my dispute letter. This is a direct violation of FCRA 611 ( a ), and they are now legally required to delete all disputed accounts immediately due to your failure to comply with federal law. 


Experians failure to properly investigate these accounts within the legally required timeframe means they must be deleted immediately per FCRA regulations. I expect an urgent correction and written confirmation of these deletions. 

If this issue is not resolved promptly, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and any other appropriate regulatory authorities to ensure my rights under the FCRA are upheld. 

I expect written confirmation within five ( 5 ) business days of receipt of this letter from Experian. 
I also sent Experian a copy of this letter today XX/XX/year> Sincerely, 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