Consumer complaint received 2025-08-07 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 XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian Dispute Department Subject : FINAL Dispute Notice Failure to Verify Within Statutory Timeframe & Demand for Deletion Account in Dispute : XXXX XXXX XXXX | Acct # XXXX / XXXX Original Creditor : XXXX XXXX  To Whom It May Concern, This is a formal and final notice concerning the unresolved dispute I submitted regarding the above-referenced account. You received this dispute on XX/XX/XXXX, and your response was not issued until XX/XX/XXXX, XXXXwell beyond the 30-day statutory window as prescribed by the Fair Credit Reporting Act ( FCRA ). This account is now legally considered unverified, untimely, and must be permanently removed from my Experian credit file. 

1. Violation of the FCRA Failure to Respond Within 30 Days Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], credit reporting agencies have 30 days from the date of receipt of a consumer dispute to investigate and respond. You failed to meet this federal requirement. 

Your delay of nearly 60 days renders any attempt to now verify, update, or " cure '' this account legally irrelevant. The law is clearif the investigation is not completed within 30 days, the disputed item must be deleted. 

2. Failure to Provide Method of Verification ( MOV ) as Required by Law In my original dispute, I explicitly requested a full Method of Verification in the event you chose to verify this account.

Per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I am entitled to : -The name, address, and telephone number of the furnisher who verified the information -A description of the procedure used to determine the accuracy -A copy of the documentation relied upon in the verification process ( See : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) You failed to provide any of this. This is a separate violation of federal law. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This case affirms that credit reporting agencies must do more than rely on the furnishers word. They must ensure the data is verified with competent and reliable evidence. 
Your response demonstrates a lack of independent investigation and total disregard for your FCRA obligations. 

4. CFPB Portal vs. Direct Dispute Equal Standing Your letter implies that because this dispute was submitted via the CFPB portal, it somehow holds different legal weight than a direct dispute. This is patently false.

FCRA 611 ( a ) does not distinguish between dispute portals. Any written consumer dispute triggers the same 30-day requirement, regardless of the method of submission. CFPB-submitted disputes are to be treated exactly like written direct disputes.

5. Final Demands You have two options to bring this matter into compliance with federal law : Option A Immediate Deletion Immediately and permanently delete this account from my credit file due to your failure to investigate in time and your failure to provide the Method of Verification. 

Option B Provide Full Method of Verification Within 15 Days If you refuse to delete the account, then within 15 calendar days from the date of this letter, provide the FULL MOV, including : -Name, address, and phone number of the verifying entity -Description of the exact procedures used -Copy of any documentation relied upon Failure to comply will result in escalation to : -The Consumer Financial Protection Bureau ( CFPB ) -The Federal Trade Commission ( FTC ) -The New York Attorney Generals Office Private legal action under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) 6. Supporting Documentation Attached Copy of my state-issued identification Proof of address ( bank statement ) Screenshots of the original dispute and your untimely response Prior correspondence demanding MOV Please note : This letter and any future correspondence related to this matter will be preserved for legal and regulatory review. 
Thank you for your immediate attention to this matter. I expect a lawful resolution without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last 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