Consumer complaint received 2025-03-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Credit Report Information Dear TransUnion , I am writing to formally dispute inaccurate information once again on my credit report. These accounts are not mine, and I am requesting that they be removed from my credit report. Below are the details of the items to remove off my credit report. 
I am writing to formally dispute the information appearing on my credit report regarding a closed account. The account in question is listed as closed, but I believe this information is inaccurate. Below are the details of the account in dispute : XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Original Balance : {$20000.00} Current Balance : {$33000.00} Explanation : These accounts are not mine. Please delete them from my credit report. 

XXXX  XXXX XXXX XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Balance : {$5500.00} Current Balance : {$6400.00} Explanation : These accounts are not mine. Please delete them from my credit report. 

XXXX XXXXXXXX XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Balance : {$5500.00} Current Balance : {$6700.00} Explanation : These accounts are not mine. Please delete them from my credit report. 

XXXX XXXX XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Balance : {$7000.00} Current Balance : {$12000.00} Explanation : These accounts are not mine. Please delete them from my credit report. 


XXXX XXXXXXXX XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Balance : {$20000.00} Current Balance : {$28000.00} Explanation : These accounts are not mine. Please delete them from my credit report. 


XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Balance : {$33000.00} Original amount : {$20000.00} Date opened : XXXX XXXXThis is not my account .Remove it off my file. 


XXXX Date opened XXXX Original Balance : {$720.00} Account number : XXXX Explanation : This company was sued by CFPB Abd is closed. They are not collecting on this account. The information is wrong and needs to be removed off my report immediately. Please delete them from my credit report. 

XXXX XXXX XXXX opened : XX/XX/XXXX Original Balance : {$1500.00} Account number : XXXX Explanation : These accounts are not mine. Please delete them from my credit report. This account is closed and the information is wrong. 

XXXX XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$210000.00} Account number : XXXX. This account is not mine and is incorrect please remove it. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$130000.00} Account number : XXXX. This is not my account remove it off my credit file now. 



Please investigate these matters and correct or remove the inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA and other applicable laws, you are obligated to : Investigate disputed information within 30 days of receiving this letter. Failure to do so would be a violation of the FCRA, Section 611 ( 15 U.S.C. 1681i ).

Notify the information provider of the dispute.

Provide me with written results of the investigation and a free copy of my updated credit report if the dispute results in any changes.

Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

Additionally, I would like to remind you of the following legal protections and requirements under federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Ensures the accuracy, fairness, and privacy of information in consumer reporting and requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. Section 609 ( 15 U.S.C. 1681g ) : Grants consumers the right to request all information in their credit file.

Section 611 ( 15 U.S.C. 1681i ) : Describes the process for disputing inaccuracies and mandates resolution within 30 days. 
Section 623 Additionally, I would like to remind you of the following legal protections and requirements under federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Ensures the accuracy, fairness, and privacy of information in consumer reporting and requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

o Section 609 ( 15 U.S.C. 1681g ) : Grants consumers the right to request all information in their credit file.

o Section 611 ( 15 U.S.C. 1681i ) : Describes the process for disputing inaccuracies and mandates resolution within 30 days.

o Section 623 ( 15 U.S.C. 1681s-2 ) : Requires furnishers of information to report accurate data and correct known errors.

Fair and Accurate Credit Transactions Act ( FACTA ), Pub.L. 108159 : Enhances consumer protections by granting access to free annual credit reports and improving dispute processes for resolving inaccuracies. 
Consumer Financial Protection Bureau ( CFPB ) Guidelines, 12 C.F.R. Part 1022 : Mandates that credit reporting agencies follow strict standards to ensure accuracy, transparency, and fairness in credit reporting and dispute resolutions.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Protects consumers from discrimination in credit-related decisions.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 : Requires creditors to provide clear and transparent terms to consumers, helping them make informed credit decisions.

Federal Trade Commission ( FTC ) Act, 15 U.S.C. 45 : Prohibits unfair or deceptive practices in commerce, including those related to credit reporting.

Dodd-Frank Wall Street Reform and Consumer Protection Act, Pub.L. 111203 : Empowers the CFPB to oversee and enforce compliance with consumer protection laws in credit reporting.

Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679 : Protects consumers by prohibiting misleading practices by credit repair companies and ensuring awareness of their rights. 



Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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