Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Multiple Violations of FCRA, FDCPA, XXXX XXXX, and UDAAP Immediate Deletion Demanded Experian, Equifax, TransUnion Dear CFPB Investigator, I am filing this formal complaint against Experian, Equifax, and TransUnion for their willful, repeated, and systematic violations of federal consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) XXXX ( a ), XXXX ( a ), XXXX, XXXX - XXXX XXXX Compliance Reporting Standards ( XXXX Version ) - Fair Debt Collection Practices Act ( FDCPA ) Regulation F - Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) under Dodd-Frank Despite properly disputing inaccurate, unverifiable, and unauthorized information on my credit reports via certified mail on [ Insert Original Dispute Mailing Date ], the credit bureaus have : - Failed to conduct lawful and reasonable reinvestigations under FCRA XXXX XXXX a ) - Failed to provide the legally required method of verification under FCRA XXXX XXXX a ) ( XXXX ) ( B ) ( XXXX ) - Continued reporting unverifiable collections and unauthorized hard inquiries - Ignored XXXX XXXX XXXX compliance standards regarding accurate data reporting - Failed to remove unverifiable information within the statutory timeframes Specifically, the following items remain unlawfully reporting across Experian, Equifax, and TransUnion : XXXX * Collections : * * - XXXX XXXX XXXX {$25000.00} - XXXX XXXX XXXX {$9800.00} - XXXX  XXXX XXXX {$1700.00} - XXXX XXXX XXXX {$140.00} * * Unauthorized Hard Inquiries : * * - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX In addition XXXX Experian violated FCRA XXXX ( a XXXX by unlawfully refusing to reinvestigate my dispute, falsely claiming that my dispute was " not sent by me. '' This is a direct violation of FCRA which mandates that any consumer-submitted dispute must be properly investigated, regardless of submission method or physical mailing source. 

Their refusal to reinvestigate represents a willful disregard of federal consumer rights and demonstrates deceptive and abusive practices in violation of XXXX principles. 

-- - * * Relief Requested : * * - Immediate and permanent deletion of all referenced collection accounts and unauthorized hard inquiries from all three bureaus - Full updated corrected credit reports provided to me within XXXX  days - Formal enforcement action logged against Experian, Equifax, and TransUnion for willful noncompliance - Protection of my consumer rights under FCRA, FDCPA, XXXX XXXX, and UDAAP I have attached : - Copies of my original dispute letters- Failure to Investigate notices - Certified mail tracking proofs- Copies of my government-issued ID and proof of address Should these issues not be fully corrected without further delay, I reserve the right to pursue all available remedies under federal law, including statutory damages, punitive damages, and injunctive relief. 

Thank you for your immediate attention to this matter.

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