Consumer complaint received 2025-05-20 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: IN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / * * To : * * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Subject : * * Complaint Against TransUnion for FCRA Violations Reinserted Previously Deleted Accounts Without Proper Notification and Investigation Dear CFPB Representatives, I am writing to file a formal complaint against * * TransUnion * *, one of the major credit reporting agencies, for multiple violations of federal law in connection with their mishandling of disputes I filed regarding several collection accounts. 

Over * * 30 days ago * *, I submitted formal disputes requesting validation and removal of accounts that lacked sufficient legal evidence of my obligation to the alleged debts. In response, TransUnion acknowledged my disputes and deleted the following accounts : * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, XXXX XXXX XXXX XXXX XXXX  was later reinserted * * into my credit report * * without proper written notification as required by law * *. The Fair Credit Reporting Act ( FCRA ) mandates in * * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) * * that the consumer be notified * * in writing within five business days * * after reinsertion of previously deleted information, and that the furnisher provide * * certified documentation * * verifying the accuracy of the account. This did not occur. 

Additionally, XXXX XXXX XXXX was * * unable to provide original documents proving ownership of the debt, assignment, or an original contract bearing my wet signature * *, as shown in their XX/XX/year>, response letter. Their validation merely included internal account statements, not the legally required supporting evidence under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * * and * * 1692e * *. 

The following accounts are still being unlawfully reported and must be deleted : * * * XXXX XXXX XXXX XXXX Acct # XXXX \ {$630.00} ( Equifax/TransUnion ) * * * * * XXXX XXXX XXXX XXXX Acct XXXX XXXX \ {$650.00} ( Equifax ) XXXX * * * * Collection # XXXX \ {$340.00} * * * * * Collection # XXXX \ {$220.00} * * * * * XXXX XXXX XXXX \ {$0.00}, Paid as Agreed * * * * * XXXXXXXX XXXX, Balance \ {$0.00} * * * * * XXXX XXXX XXXX XXXX XXXX {$0.00} * * * * XXXX XXXX XXXX XXXXXXXX XXXX \ {$0.00} ( not accurately updated ) * * * * * XXXX  # XXXX Balance \ {$0.00} * * # # # TransUnion Has Violated the Following Federal Statutes : * * * FCRA, 15 U.S.C. 1681i * * Failure to perform a reasonable reinvestigation * * * FCRA, 15 U.S.C. 1681e ( b ) * * Failure to ensure maximum possible accuracy * * * FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) * * Failure to notify consumer of reinsertion of deleted data * * * FDCPA, 15 U.S.C. 1692g ( b ) * * Failure to provide sufficient validation of debt * * * FDCPA, 15 U.S.C. 1692e * * Misrepresentation of the legal status of a debt * * * Gramm-Leach-Bliley Act, 15 U.S.C. 6802 * * Unauthorized sharing of my nonpublic personal information with third parties without my consent Despite requesting : 1. The name and contact information of each data furnisher who verified the disputed accounts 2. The documentation relied upon for reinsertion or continued reporting 3. A copy of TransUnions reinvestigation procedures I have received none of these items. I provided ample documentation and invoked my consumer rights, yet TransUnion continues to violate those rights and allow inaccurate, unverifiable, and potentially fraudulent data to remain on my credit report. 

# # # Requested Relief : I am requesting that the CFPB : * * * Investigate TransUnion * * for failure to comply with the above-cited sections of federal law * * * Compel immediate and permanent deletion * * of all accounts listed above unless full legal documentation is provided * * * Ensure TransUnion ceases and desists * * from re-reporting previously deleted items without following proper legal notice procedures If no corrective action is taken, I am prepared to file further complaints with the * * Federal Trade Commission ( FTC ) * *, my * * State Attorney General * *, and seek legal remedy through the courts for damages resulting from willful noncompliance. 

Sincerely, * 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