Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX RE : Urgent Legal Demand Fraudulent Bankruptcy and Unlawful Reinsertions File # XXXX To Whom It May Concern : NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

I am writing to submit a formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate removal of : XXXX. The fraudulent bankruptcy ( XXXX XXXX. XXXX ) currently listed in my TransUnion file ; 2. All accounts and tradelines that were removed, then reinserted without providing the legally mandated notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This pattern of misreporting, unauthorized reinsertion, and willful disregard for statutory due process is not only harmful but establishes XXXX XXXX evidence of consumer rights violations. 



I. BANKRUPTCY DISPUTE Case # XXXX As outlined in previous notices, this bankruptcy is : Fraudulent, as no petition was filed or signed by me ; Inaccurate, as I have no verified court order or adjudication linking me as a debtor ; Unverified, as TransUnion relied solely on PACER extracts obtained through XXXX a secondary vendor not authorized to determine individual identity or debt validity. 

This constitutes a willful violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy ; 15 U.S.C. 1692e ( 8 ) Continuing to communicate disputed information ; Michigan Compiled Laws 445.2512 et seq. Unlawful dissemination of inaccurate personal data ; UCC 3-501 and 9-210 Failure to verify the authenticity and origin of alleged obligation ; TILA ( 15 U.S.C. 1601 et seq. ) No consent, disclosure, or signed obligation exists to justify this reporting. 

Further, per XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your investigation and verification process fails the legal threshold of reasonable procedures required under the FCRA. 



II. VIOLATION ILLEGAL REINSERTION OF REMOVED ITEMS WITHOUT NOTICE Additionally, I demand immediate deletion of any and all tradelines/accounts previously removed and later reinserted into my file without proper notice as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates : If any item of information is deleted from a consumers file the agency shall not reinsert the information unless the furnisher of the information certifies that the information is complete and accurate. The consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion.

I possess documented email notices and archived credit reports
proving these reinsertions occurred without any written notice, certification of accuracy, or explanation, thereby violating both statutory mandates and my rights to due process. These actions represent a pattern of willful statutory abuse and deceptive data handling.

III. DEMANDS FOR IMMEDIATE COMPLIANCE You are hereby directed to : XXXX. Delete Bankruptcy XXXX XXXX. XXXX from my consumer file immediately. 
2. Permanently delete all reinserted accounts where no 5-day written notice was provided.

3. Provide written confirmation of deletions and a description of your reinvestigation procedure, including the business names, addresses, and phone numbers of all data furnishers contacted.

4. Cease all future attempts to reinsert previously disputed items without full legal compliance.

5. Update and furnish a corrected credit file to all recipients of my consumer report in the past 6 months, as required under 15 U.S.C. 1681i ( d ).

If you fail to comply within 15 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, the Michigan Attorney Generals Office, and initiate civil litigation under 15 U.S.C. 1681n, 1681o, and related federal and state provisions. I will seek actual damages, statutory damages, punitive damages, costs, and attorneys fees for each willful and negligent violation. 

This is your final notice before litigation. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX, trustee 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