Loading Scampede…
Investigation took more than 30 days. I submitted a written dispute to Experian over 30 days ago regarding two XXXX student loan accounts that are inaccurately reporting 90-day late payments. The months prior to the alleged delinquencies show a consistent pattern of on-time payments, which directly conflicts with the 90-day lateness now reflected. This inconsistency violates the Metro 2 reporting standard, which requires logical and sequential payment reporting. I requested verification and documentation under FCRA 609 and 611, but Experian failed to provide any investigation results or supporting records. Instead, I received vague stall letters that did not satisfy their legal obligations. The investigation was not completed within the 30-day timeframe, and the derogatory entries remain w