If a credit reporting agency fails to respond within the required 30 days, it’s crucial to take action to ensure your dispute is addressed. Here are the steps to follow:

1. Send a Follow-Up Letter to Senior Management:
   • If the credit reporting agency does not respond within the 30-day window, consider sending a follow-up letter to the CEO or Chairman of the board. In your letter, explain the situation and request prompt attention to your dispute.
2. File a Complaint with the Consumer Financial Protection Bureau (CFPB):
   • The CFPB is a government agency that oversees consumer financial matters, including credit reporting. You can file a complaint with the CFPB regarding the credit reporting agency’s failure to respond. Provide all relevant details in your complaint.
3. File a Complaint with the Better Business Bureau (BBB):
   • The BBB is an organization that monitors and mediates disputes between consumers and businesses. You can file a complaint with the BBB against the credit reporting agency. The BBB will work to facilitate a resolution.
4. Send Proof of Non-Response to the Bureaus:
   • If you have evidence that the credit reporting agency failed to respond within the 30-day period, send this proof to the credit bureaus. This can help demonstrate that you have made reasonable efforts to resolve the dispute.

By taking these steps, you can exert additional pressure on the credit reporting agency to address your dispute promptly and in accordance with the law. Maintaining accurate credit reports is essential for your financial well-being and creditworthiness, so it’s important to follow through until the issue is resolved.