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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian Information Solutions , Inc . 
Subject : Failure to Provide Proper Reinvestigation Documentation and Maintain Accurate Reporting ( FCRA Violations ) PART 1 : Background of Disputes I submitted written disputes to Experian regarding inaccuracies and potential violations appearing on my credit report, specifically concerning : A school loan account, which I believe is reporting incorrect or incomplete information ; A XXXX  XXXX credit account, which I also disputed due to inconsistent payment history, dates, or potentially outdated or unverifiable information. 

These disputes were sent via certified mail, clearly citing the accounts in question and requesting a full reinvestigation under federal law. The disputes were acknowledged and the accounts were subsequently marked as " verified '' in Experians system without further explanation or documentation.

PART 2 : Violations of the Fair Credit Reporting Act ( FCRA ) Experian has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to the following : 1. Failure to Conduct a Reasonable Reinvestigation 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a reasonable reinvestigation once a consumer notifies them of a dispute. However, the accounts in question were simply verified as accurate without providing any explanation, evidence, or reference to the sources used. 

Courts have held that reliance on automated verification systems like e-OSCAR or ACDV ( Automated Consumer Dispute Verification ) without manual review does not meet the threshold of a reasonable investigation. ( XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ) 2. Failure to Provide Reinvestigation Results Within 5 Business Days 1681i ( a ) ( 6 ) Upon completing a reinvestigation, Experian is legally obligated to provide the consumer with : A written notice of the results ; A copy of the consumer report reflecting the changes, if any ; A notice of the consumer 's rights to add a statement or re-dispute the matter. 

Experian failed to provide me with this information within the 5-day window, and I have not received the ACDV records, procedures followed, or any meaningful documentation showing how or why the disputed information was considered verified.

3. Failure to Provide Information Relating to the Reinvestigation 1681i ( a ) ( 7 ) Under the FCRA, upon request, Experian must disclose to the consumer : a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 

I have formally requested this information for both disputed accounts and have not received : The ACDV or equivalent documentation from XXXX XXXX or the school loan servicer ; Any records of internal procedures or third-party responses used in verification ; Names or addresses of any parties contacted. 

4. Failure to Mark Accounts as Disputed 1681i ( c ) During a pending dispute, the consumer reporting agency must ensure the account is clearly marked as disputed by the consumer. In one or both instances, Experian failed to include this language in the tradeline as required, or it was removed prematurely before completion of the reinvestigation.

5. Failure to Maintain Maximum Possible Accuracy 1681e ( b ) Experian is required to ensure that all information reported is accurate and up to date. Despite the disputes submitted, the tradelines in question still contain errors or unverifiable data. 

For example : Incorrect payment statuses or past due balances that contradict available documentation ; Inconsistent account opening or charge-off dates; Missing explanations for delinquencies or closed statuses. 

Continued reporting of such data, without verification, constitutes a violation of this statute. 

PART 3 : Requested Relief A detailed description of the reinvestigation procedures conducted by Experian, including the names and addresses of all furnishers contacted ; Full copies of ACDV or XXXX communications for the disputed XXXX  XXXX and school loan accounts ; Immediate correction or deletion of the inaccurate or unverified information from my credit file ; Formal acknowledgment and restoration of proper account in dispute markings during all investigations ; Review and penalties for Experians pattern of failing to meet basic FCRA requirements. 

Closing Statement Experians failure to respond fully and lawfully to my disputes, coupled with their continued reporting of questionable information, represents a direct violation of my federal rights under the FCRA. 

This complaint seeks not only corrective action in my case but a formal review of Experians dispute-handling procedures, particularly the reliance on automated systems that circumvent meaningful reinvestigation.

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 non-monetary relief