Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agenciesTransUnion LLC, Equifax Information Services LLC, and Experianfor their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). Despite my dispute letters dated XX/XX/year>, each bureau has failed to provide full verification of disputed accounts or remove fraudulent and unauthorized information from my credit file after the mandated XXXX period. 

I. Background and Summary of Dispute I have disputed several accounts that I contend are fraudulent and/or inaccurately reported. In my communications with each bureau, I demanded full verification, including original contracts, complete investigation reports, source identification, and a documented chain of custody for any debts allegedly transferred. Instead, each bureau has verified these items without substantiating documentation or has refused to remove them. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and FDUTPA, these items should have been deleted when proper verification could not be provided. 

XXXX. Disputed Accounts The following accounts are in dispute across XXXX or more bureaus : XXXXXXXX XXXX Account Number : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX XXXX Account XXXX : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX ( as reported by TransUnion ) Account XXXX : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX ( as reported by TransUnion ) Account XXXX : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX XXXX ( as reported by TransUnion ; appears twice ) Account XXXX : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX XXXX XXXX ( as reported by Experian ) Account Number : XXXX Allegation : Fraudulent account in violation of federal and state law. 
XXXX. Unauthorized Inquiries The following unauthorized inquiries have been reported by XXXX or more of the credit bureaus without a permissible purpose under 15 U.S.C. 1681b and FDUTPA : From TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Incorrect Personal Information Each bureau is also reporting inaccurate personal details, including : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Violations of Law By failing to fully verify these disputed accounts and unauthorized inquiriesand by reporting inaccurate personal informationthe credit bureaus have violated multiple statutory provisions, including : FCRA Violations : 15 U.S.C. 1681i ( failure to conduct a proper reinvestigation and provide supporting documentation ) 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ) 15 U.S.C. 1681g ( failure to disclose all information used in the investigation ) 15 U.S.C. 1681n ( exposure to statutory damages for willful noncompliance ) 15 U.S.C. 1692g FCRA 607 ( b ) FDUTPA Violations : XXXX XXXX. XXXX ( engaging in deceptive and unfair trade practices by reporting inaccurate or unverified information ) VI. Requested Remedies and Enforcement Given that the mandated XXXX period for the credit bureaus to furnish proper verification or remove the disputed information has expired, I respectfully request that the Consumer Financial Protection Bureau XXXX Investigate the noncompliance of TransUnion, Equifax, and Experian with the FCRA and FDUTPA. 
Enforce the removal of all fraudulent and unverified accounts, unauthorized inquiries, and inaccurate personal information from my credit file. 
Take any additional enforcement actions deemed necessary to prevent further violations and safeguard consumer rights. 
I have attached copies of my dispute letters sent to each bureau for your review. I trust the CFPB will take immediate and appropriate action to rectify these egregious violations. 

Thank you for your prompt attention to this matter. 

Sincerely, 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