Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
On XX/XX/year>, I submitted multiple disputes to TransUnion online, supported by all legally required documentation, including my government-issued ID, proof of address, Social Security verification XXXX and my FTC Identity Theft Report and affidavit. These disputes included fraudulent or inaccurate accounts specifically XXXX XXXX XXXX XXXX  ( previously deleted but reinserted ) and XXXX XXXX XXXX ( appearing only on TransUnion ). 

I clearly identified these items as inaccurate and associated with an identity theft and data breach incident, and I uploaded a Data Breach Supplemental Addendum outlining the violations under the FCRA and the 4-day removal rule as required by FCRA 605B ( b ) ( 1 ). Despite submitting full documentation and verifying my identity, TransUnion has not provided any updates, deletions, or confirmations of investigation. 

This delay is part of an ongoing pattern of noncompliance. Both Experian and TransUnion have demonstrated unreasonable delay tactics after receiving full documentation. Experian continues to send redundant identity verification requests after being provided all required forms of ID on XX/XX/year>, and TransUnions inaction has extended beyond a reasonable timeframe given the complete documentation provided. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ), credit reporting agencies are required to promptly begin or resume an investigation once sufficient identification and supporting documentation are received. Under FCRA 605B, once an identity theft report is provided, the CRA must block and delete fraudulent information within 4 business days. Both Experian and TransUnion are in violation of these provisions by failing to act after receiving proper identity theft documentation. 

Notably, Equifax has already processed and deleted the same disputed accounts based on identical documentation, which demonstrates that Experian and TransUnions continued delays are not justified and constitute willful noncompliance with their statutory duties. 

I am requesting that the CFPB intervene to compel TransUnion and Experian to : 1. Immediately complete all pending investigations and delete all disputed and fraudulent accounts associated with my identity theft report and data breach filing ; 2. Provide written confirmation of deletion and reinvestigation results ; 3. Ensure no reinsertion of previously deleted accounts occurs without full compliance with FCRA 611 ( a ) ( 5 ) ( B ) ; and 4. Review both CRAs for systemic failure to comply with consumer identity verification and dispute obligations. 

Attached are : Proof of TransUnion dispute submission ( XX/XX/year> ) ; Copies of all documentation uploaded with my disputes ( ID, SSN, FTC report, data breach addendum ) ; Proof of Experian email submissions ( XX/XX/year> ) ; and Experians redundant ID verification email sent after full compliance.

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