Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFPB XXXX, I am filing this formal complaint against TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, TransUnion has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe TransUnion is engaging in automated, non-substantive responses using XXXX, and not complying with its obligations under XXXX XXXX. XXXX ( a ). 
Below is a summary of each issue I have disputed, how TransUnion failed to comply, and the specific relief I am requesting. 

# # # XXXX. Inaccurate XXXX  Payments - Account Name : XXXX Bank XXXX XXXX : TransUnion is reporting XXXX ( XXXX ) XXXX XXXX payments which is inaccurate. My payment history shows no XXXX  payments, and I provided my bank statement showing timely payment. TransUnion ignored my evidence. 

- Account Name : XXXX XXXX  - Issue : TransUnion is reporting XXXX ( XXXX ) XXXX XXXX payments which is inaccurate. My payment history shows no XXXX  payments, and I provided my bank statement showing timely payment. TransUnion ignored my evidence. 
- Account Name : XXXX XXXX  - Issue : TransUnion is reporting a XXXXXXXX XXXX payment which is inaccurate. My payment history shows no XXXX  payments, and I provided my bank statement showing XXXX payment. Transunion ignored my evidence. 


- Relevant Law Violated : - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to consider all relevant information - XXXX XXXX. XXXX ( b ) Failure to maintain accurate reporting - Demand : XXXX correction and deletion of the XXXX XXXX for All Accounts Listed # # # XXXX. Sham Investigations : Pattern of XXXX I believe TransUnion is relying on XXXX  automated responses, which do not satisfy the reasonable investigation standard under FCRA XXXX ( a ). The CFPBs past lawsuits and consent orders against TransUnion and the other bureaus for similar behavior indicate a pattern of systemic XXXX 
XXXX XXXX XXXX : CFPB vs. Experian, XXXX & XXXX enforcement actions for misleading consumers and failing to conduct proper reinvestigations. 
-- - # # # Requested XXXX from CFPB : XXXX. Investigate TransUnion investigation practices. 
XXXX. Require TransUnion to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above. 
XXXX. Require TransUnion to provide documentation for any item it claims to verify. 
XXXX. Impose appropriate penalties or sanctions for repeated violations. 
XXXX. Ensure TransUnion follows all XXXX XXXX and CDIA standards, and refrains from unverifiable data reinsertion. 
-- - # # # Enclosures Included : - Copies of dispute letters submitted to TransUnion - Supporting documentation ( XXXX XXXX XXXX XXXX XXXX  ) Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like TransUnion disregard their legal obligations and cause XXXX to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. 
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