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Investigation took more than 30 days. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. You had more than 65 days, at the time you responded. XXXX submitted to the CFPB on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}