Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Follow-Up Complaint FCRA Violations by Experian, Equifax, and TransUnion | Response to CFPB Complaint Nos. XXXX, XXXX, XXXX Dear CFPB Officer, This is a follow-up complaint regarding Experian, Equifax, and TransUnion for continued noncompliance with the Fair Credit Reporting Act ( FCRA ), and their failure to resolve the matters raised in my previous complaints, specifically : CFPB Complaint No. XXXX CFPB Complaint No. XXXX CFPB Complaint No. XXXX Despite my original disputes submitted on XX/XX/year>, the credit bureaus have failed to lawfully verify or delete the accounts I challenged. They conducted sham investigations, ignored key requirements under federal law, and maintained unverified and inaccurate accounts on my credit files.

Violations of the FCRA : Under 15 U.S.C. 1681i ( a ) ( 1 ), I disputed the accuracy and completeness of the following accounts and requested a full method of verification and debt validation. The bureaus were legally obligated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide : The name, address, and telephone number of each furnisher Documentation proving each debts validity Additionally, under 15 U.S.C. 1681i ( a ) ( 7 ), they were required to disclose : 1. The name ( s ) of the individual ( s ) they contacted during the investigation 2. The date ( s ) and time ( s ) of all communications 3. The specific method ( s ) used to verify the account information 4. Copies of all supporting records, contracts, or agreements used in the investigation None of these statutory requirements were met. Instead, I received vague responses, template letters, and generic verified as reported outcomes, without any evidence, contracts, or documented proof.

Disputed Accounts That Remain Unverified : XXXX XXXX XXXX XXXX  Account No : XXXX XXXX  XXXX XXXX Account No : XXXX XXXX XXXX XXXX  Account Nos : XXXX ( 4 entries ) XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX  Account Nos : XXXX, XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX Account No : XXXX TransUnion acknowledged deleting only one of these accounts ( XXXX XXXX XXXX ) and verified others without explanation or documentation. These actions violate 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of disputed information when it can not be verified.

Ongoing Pattern of Negligence and Sham Investigations : All three credit bureaus are engaged in a repeated pattern of sham reinvestigations, in violation of their duties under the FCRA. The lack of transparency, failure to disclose the verification process, and absence of supporting evidence demonstrate a willful disregard of my rights as a consumer.

Formal Demand for Action : I am formally requesting that the CFPB take immediate enforcement action and require : 1. Permanent deletion of all accounts listed above from my credit files under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 2. Permanent blocking of these accounts from future reinsertion 3. A full disclosure of the method of verification used for each account, with supporting evidence 4. Investigation into the bureaus systemic noncompliance and willful FCRA violations If these violations are not resolved immediately, I will seek legal damages under 15 U.S.C. 1681n and 1681o, including : Statutory damages of {$1000.00} per violation Actual damages suffered Punitive damages for willful noncompliance Full recovery of legal costs and fees Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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