Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am writing to formally reject the results of your investigation into my dispute submitted through the Consumer Financial Protection Bureau ( CFPB ) Portal under Complaint # XXXX. This complaint, filed on XX/XX/year>, pertains to the product " Credit reporting or other personal consumer reports '' and addresses the issue of " Incorrect information on your report. '' I assert that your handling of this dispute violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, due to your failure to complete a reasonable investigation within the mandated timeframe and your submission of an untimely and inadequate response. I demand immediate correction of the inaccuracies on my credit report and a revised response compliant with federal law. 

Violation of 15 U.S.C. 1681i : Failure to Complete Investigation Within 30 Days Under 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency is required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute from the consumer or a reseller, such as the CFPB. My complaint was submitted to the CFPB on XX/XX/year>, and sent to your company on the same date. This established a statutory deadline of XX/XX/year>, for you to complete your investigation, record the current status of the disputed information, and either verify its accuracy or delete it from my file. Your failure to provide a final resolution by this date constitutes a clear violation of the FCRAs procedural safeguards, which are designed to protect consumers from prolonged exposure to inaccurate credit reporting. 

Unlawful 60-Day Response Violation Your interim response on XX/XX/year>, indicated that you were still working on my issue, suggesting a need for additional time, with a final response expected within 60 days from XX/XX/XXXX, XXXX to XX/XX/year>. However, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) allows only a 30-day period for the initial investigation, with a potential extension of up to 15 additional days ( for a total of 45 days ) under subparagraph ( A ) ( ii ) if the agency receives additional relevant information from the consumer during the initial period. This extension is strictly limited and requires specific justification, such as the complexity of the dispute or the need to obtain further documentation. No such justification was provided, and I did not submit additional information to warrant an extension beyond 30 days. 

The allowance of a 60-day response period exceeds the statutory limit of 30-45 days, rendering your process unlawful. This extended timeline undermines the FCRAs intent to ensure prompt resolution of disputes, as the 30-day baseline reflects a reasonable period for reinvestigation, with the 15-day extension serving as an exception rather than a rule. Your reliance on a 60-day timeframe, as acknowledged in your interim response, violates the strict temporal constraints of 15 U.S.C. 1681i and deprives me of my right to a timely correction of erroneous data, causing ongoing harm to my credit standing. 

Rejection of Company Response on XX/XX/year> to Violations Your final response, received on XX/XX/XXXX, XXXX 60 days from the complaints submission is rejected as it fails to comply with FCRA requirements and exacerbates the aforementioned violations. First, the 60-day duration itself breaches the 30-45 day limit under 15 U.S.C. 1681i ( a ) ( 1 ), as explained above, indicating a systemic disregard for the mandated investigation timeline. Second, the FCRA requires that the reinvestigation include forwarding the dispute and all relevant information to the furnisher of the data, conducting a reasonable inquiry, and either verifying the accuracy of the disputed information or deleting it if unverifiable ( 15 U.S.C. 1681i ( a ) ( 2 ) - ( 5 ) ). Your response lacks a detailed account of the steps taken, the evidence reviewed, or the furnishers input, suggesting a superficial or sham investigation, which has been flagged as unlawful by regulatory actions against consumer reporting agencies. 

Furthermore, the delay until XX/XX/year>, exceeds even the unauthorized 60-day window you proposed, as the CFPBs tracking indicates the response was due by XX/XX/year>, but your acknowledgment of ongoing work on XX/XX/year>, should have prompted a swifter resolution within the legal 45-day maximum. This protracted timeline, coupled with the absence of a robust investigation, violates my rights under 15 U.S.C. 1681i to a prompt and thorough review, resulting in concrete injury, including potential denial of credit, higher interest rates, or other financial disadvantages due to the persistence of inaccurate information. 

Demand for Corrective Action I demand the following immediate actions : Deletion of the disputed inaccurate information from my credit report if it can not be verified within this period. 



A detailed written response within 15 days, outlining the specific steps taken, evidence reviewed, and communication with the furnisher, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

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