Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Failure to conduct reasonable reinvestigations and maintain accurate reportingFCRA 1681i, 1681e ( b ), and related provisions.

I. Summary of Complaint I have disputed the tradeline for Account # XXXX, now owned by XXXX XXXX XXXX XXXX XXXX, on my Equifax, Experian, and TransUnion credit reports. Each bureau verified the account without providing any reinvestigation documentation, without notifying me of investigation results within five business days, and without ensuring maximum possible accuracy of my file. These failures violate the Fair Credit Reporting Act. 

XXXX. Disputed Tradeline Details Original Creditor : XXXX XXXX XXXX 

Current Creditor/Furnisher : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Method : Certifiedmail dispute letters sent to each CRA on [ dispute date ], clearly identifying the account and requesting reinvestigation under FCRA 611 ( 15U.S.C. 1681i ).

III. FCRA Violations Statute Requirement Respondents Failure 15U.S.C. 1681i ( a ) ( 1 ) ( A ) Conduct a reasonable reinvestigation of disputed information. Each CRA marked the account verified without reviewing any underlying documentation or furnishing contact with XXXX, XXXX beyond an automated match. 
15U.S.C. 1681i ( a ) ( 6 ) Provide written notice of investigation results within five business days of conclusion. No bureau provided me any notification of results, reinvestigation summary, or updated consumer report within the fiveday window.

15U.S.C. 1681i ( a ) ( 7 ) Upon consumer request, disclose the procedure used, including names and addresses of furnishers contacted. I have requested these details ; none of the bureaus have furnished ACDV records, eOSCAR communications, or any description of procedures.

15U.S.C. 1681e ( b ) Maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. Continual reporting of an unvalidated tradeline demonstrates failure to assure accuracy.

15U.S.C. 1681c-2 ( b ) Block information that is the result of identity theft upon proper request. I have indicated that XXXX, XXXX has no valid contract ; yet the chargedoff tradeline remains, suggesting improper documentation rather than a bona fide debt. 

IV. Supporting XXXX XXXX XXXX v. TransUnion, XXXX ( XXXX ) : Automated record matching alone does not satisfy the reasonable reinvestigation requirement. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reasonable procedures under 1681e ( b ) require steps beyond mere data reproduction. 

V. Requested Relief Immediate Deletion of Account # XXXX from my credit files at Equifax, Experian, and TransUnion. 

Full Disclosure of all reinvestigation materials under 1681i ( a ) ( 7 ), including ACDV forms and communications with XXXX XXXX XXXX XXXX XXXX. 

Reinvestigation : A bona fide manual review of the disputed tradeline, with documented findings. 

Compliance Certification : Written confirmation that each CRA has updated its procedures to prevent recurrence of similar failures. 

Statutory Damages : If willful noncompliance is determined, I reserve the right to pursue damages und

er 1681n and negligent liability under 1681o. VI. Closing The failure of Equifax, Experia
n, and TransUnion to conduct reasonable reinvestigations, notify me of results, and maintain accurate files has materially harmed my credit profile and violates my rights under the FCRA. I respectfully request CFPB enforcement to ensure swift correction and accountability.

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