Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
Dear Sir/Maam, I am writing to formally dispute and seek your assistance in addressing violations of consumer protection laws that appear on my credit report. I have received, reviewed, and disputed my consumer report as I have noticed concerns and violations per 15 USC 1681 section 602 as it states the following : It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. I have noticed in my accounts the information as I have disputed previously hasnt been corrected or deleted from Experian, TransUnion, and Equifax. These disputes were related to my XXXX statement on XX/XX/year> stating that I have a new balance and minimum balance of XXXX dollars, but their report says I still have a new balance of {$170.00} and a minimum balance of XXXX dollars. When you compare side by side my XXXX statements and my credit reports the numbers dont add up. The issue for this part of my complaint isnt so much to blame XXXX for this matter unless otherwise, but rather all of the credit reporting agencies have reviewed the documents and still hasnt addressed this hindrance as these errors are still in their files. Another concern that frustrates me regarding to the same problem as I was provided with reports showing my TransUnion dispute results # XXXX as they have stated XXXX report has been updated but there was no history account information to confirm if that is true. As Experian and Equifax have provided with such data not compared to TransUnion regarding the credit reports. At the time, I happen to call TransUnion about this matter as they informed me the material was updated and another consumer report was provided to me. But when I saw the new report, XXXXXXXX history transaction had no numerical values of money just OK to represent the payments was on time. Im stating this because XXXX XXXX and XXXX XXXX were furnished with such facts on the exact report, and I need TransUnion to stop withholding information from me and provide the data they indeed processed the documents. As it appears they are being deliberately or negligent in resolving my concerns. Under 15 USC 1681i all unverified accounts MUST be promptly deleted. Please read all of my credit report initial dispute letters as this will explain more in detail about my other concerns as the credit agencies hasnt addressed or answered except my phone number. I will also be requesting from all the credit bureaus I am disputing my consumer file NOT my consumer report as stated and defined under 15 USC 1681a ( d ) and ( g ). When the CFPB is finalizing the investigative results, I will need ALL of the credit reporting agencies to give me a descriptive letter stating in detail what procedures have been processed and completed.

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