Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Phone : XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Follow-Up on Complaint Against Experian, TransUnion, Equifax, and XXXX XXXX for Reporting Inaccuracies and Violation of Rights Dear CFPB, I am writing to formally request your immediate intervention regarding my previous complaint filed on XX/XX/XXXX, against Experian, TransUnion, Equifax, and XXXX XXXX. Despite my detailed explanation, supporting documentation, and clear evidence of inaccuracies and violations, the response I received from TransUnion on XX/XX/XXXX, fails to address the core issues of my dispute. 

Background and Key Issues : 1. XXXX XXXX False Foreclosure Reporting : XXXX XXXX falsely reported a foreclosure on my property, despite the following facts : I conveyed the property to my irrevocable living trust in XX/XX/XXXX, which voids XXXX XXXX authority to foreclose on the property. 
XXXX XXXX had no wet ink signature or legal authority as the originator of the mortgage. 
The mortgage account was marked closed as of XX/XX/XXXX ; however, the foreclosure is still being falsely reported. 
XXXX. Violation of Federal Regulations and Consumer Protection Laws : XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate foreclosure information. 
XXXX XXXX acted without proper legal authority when they allegedly revoked my deed and Power of Attorney ( POA ). 
XXXX XXXX actions conflict with both state and federal property laws regarding trust ownership and foreclosure procedures. 
3. Failure of TransUnion, Experian, and Equifax to Investigate : Despite multiple disputes and clear evidence provided, TransUnion, Experian, and Equifax failed to conduct a proper investigation.

The CFPBs guidance under the FCRA requires credit bureaus to conduct reasonable investigations and remove unverifiable or inaccurate information. TransUnions claim that the information was verified as reported contradicts the facts presented. 
4. Violation by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX reported a charge-off without issuing the legally required 1099-C form, as mandated by the IRS for canceled debt .

Relief Requested : I am requesting the CFPBs assistance to : 1. Demand XXXX XXXX provide concrete proof of their legal right to : Revoke my deed. 
Revoke my POA. 
Initiate foreclosure proceedings on a property no longer under their authority. 
2. Direct TransUnion, Experian, and Equifax to : Immediately remove the false foreclosure entry.

Remove any unverifiable and inaccurate charge-off entries.

Conduct a legitimate investigation in compliance with the Fair Credit Reporting Act.

3. Demand XXXX XXXX XXXX XXXX either : Provide a valid 1099-C form for the alleged charge-off.

Or remove the charge-off from my credit report.

4. Request Compensation : Due to the financial harm, emotional distress, and lost opportunities caused by these inaccurate reports, I am seeking appropriate compensation for damages.

Supporting Documentation : I am prepared to provide additional evidence, including : Legal documents regarding my property transfer to the irrevocable living trust.

Dispute correspondence with TransUnion, Experian, Equifax, and XXXX XXXX. 
Evidence that XXXX XXXX lacks a wet ink signature or proper legal documentation. 

Conclusion : I strongly urge the CFPB to intervene and ensure that my consumer rights are upheld. TransUnions attempt to validate inaccurate information based solely on XXXX XXXX unverified claims is unacceptable. I am counting on the CFPB to enforce consumer protection laws and ensure my credit file is corrected immediately. 

Please confirm your receipt of this letter and advise me on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Phone : 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