Consumer complaint received 2025-05-24 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY, XXXX Email : XXXX Phone : XXXX XXXX Date : XX/XX/year>2025 To : TransUnion/Experian/Equifax Subject : Demand for Immediate Deletion Failure XXXX Respond Within 30 Days in Violation of FCRA 611 To Whom It May Concern, This letter is a formal follow-up and second notice regarding my dispute dated XX/XX/scrub> 2025, referencing an inaccurate and legally defective tradeline reported by XXXXXXXX XXXX Account Ending in XXXX, which I submitted to all three credit reporting agencies and which was received on XX/XX/scrub> 2025, as confirmed by acknowledgment and case tracking through the Consumer Financial Protection Bureau ( CFPB ) portal.

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), a credit reporting agency ( CRA ) is legally obligated to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filebefore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer You have failed to comply with this federally mandated obligation. Today is XX/XX/year>, well beyond the 30-day statutory window, and I have not received any substantive response, reinvestigation results, or notification of resolution regarding my dispute. This delay is a direct and material violation of federal law. 

Let me be very clear : Simply updating the account is not considered a legal response under FCRA. The law requires that you notify me of the results of your reinvestigation within 30 days. Updating dataespecially without informing meis not compliance and does not satisfy your duties under FCRA 611 ( a ) ( 6 ).

Because you have failed to respond in accordance with FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), you are now legally obligated to delete the disputed XXXXXXXX XXXX tradeline from my credit report in its entirety. You are no longer permitted to verify, update, or otherwise cure the dispute retroactively.

FCRA 611 ( a ) ( 5 ) ( A ) : If the reinvestigation finds that the information is inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information As such, I am formally demanding the immediate and permanent removal of the XXXX XXXX  account ending in XXXX from my credit report across TransUnion, Experian, and Equifax. 

Additional Legal Grounds for Deletion You were also notified of extensive factual inaccuracies, XXXX reporting violations, inconsistent account metadata, and incomplete payment histories under FCRA 623 ( a ) ( 5 ) and FCRA 1681e ( b ) none of which have been addressed. Due to your failure to respond timely, your opportunity to cure, fix, or update the account is legally void and unacceptable.

Proof of Non-Compliance Attached to this dispute : A copy of my State ID A recent utility bill for proof of current address Copies of all three original disputes submitted via XXXX, showing receipt dates and evidence of your failure to respond within 30 days. 

Consequences of Non-Compliance Should you fail to comply with this demand for deletion : 1. I will issue a Notice of Intent to Sue and proceed with legal action in New York Small Claims Court, seeking the maximum damages allowable ( currently {$10000.00} ) under state law.

2. I will pursue statutory and actual damages, including attorneys fees, under FCRA 616 and 617 for willful and negligent noncompliance.

3. I will escalate this case to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General for regulatory enforcement and penalties.

Final Demand This is your final notice to : 1. Delete the XXXX XXXX  tradeline ending in XXXX from all three credit bureaus immediately. 

2. Mail and email confirmation of deletion to the contact details provided above.

Refrain from further reinsertion of this account without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), which mandates advance written notice to me.

Failure to comply will result in legal action and regulatory complaints without further warning. 

Sincerely, 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