Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
Subject : Escalated Identity Theft Complaint Noncompliance with FCRA 605B by TransUnion and Furnishers Dear Consumer Financial Protection Bureau, I am submitting this formal follow-up and escalation regarding my identity theft complaint previously filed on XX/XX/XXXX and again on XX/XX/XXXX XXXX, concerning fraudulent and inaccurate information reported by TransUnion, Experian and various furnishers. This complaint included full documentation : an FTC Identity Theft Report, a police report ( XXXXXXXX XXXX XXXXXXXX XXXX Case # XXXX ), and supporting statements. 

On XX/XX/XXXX, TransUnion issued a response claiming it had reviewed the dispute and contacted the furnishers, verifying most accounts as accurate. They further stated that the identity theft documentation was not acceptable and declined to block the fraudulent entries. This response represents a clear violation of my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires that credit bureaus block disputed, fraudulent information within 4 business days of receiving proper documentation.

Violations Committed by TransUnion, Experian and Data Furnishers TransUnion 's actions directly violate the following consumer protection laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent accounts after receipt of valid police and FTC reports FCRA 611 ( 15 U.S.C. 1681i ) Inadequate reinvestigation of disputed data FCRA 623 ( a ) ( 6 ), ( a ) ( 8 ), and ( b ) Furnishers failure to correct or remove identity theft-related information XXXX XXXX Reporting Standards Failure to apply suppression code XXXX  or XXXX after identity theft flag E-OSCAR Guidelines Improper use of verified as reported status without meaningful verification FDCPA 807 ( 15 U.S.C. 1692e ) Continued communication of false and misleading account statuses TransUnion 's XX/XX/XXXX Response Summary : Despite the submission of official identity theft documentation, both TransUnion and Experian REFUSED to block fraudulent data Claimed documents were not acceptable without legal justification Used a furnisher-forwarded response to re-verify the same information disputed Maintained derogatory tradelines under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and others Deleted only a handful of minor accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX , while major fraudulent tradelines remain As of my most recent credit report dated XX/XX/XXXX, the majority of these entries are still adversely impacting my file, including charge-offs, collections, and inaccurate payment historydespite being the product of identity theft. 

Supporting Evidence Attached FTC Identity Theft Report # XXXX XXXX XXXX Report # XXXX Credit Report dated XX/XX/XXXX, with unchanged negative entries Correspondence and response from CFPB/TransUnion dated XX/XX/XXXX in your system. 

DEMAND FOR ESCALATED ENFORCEMENT & RELIEF I am requesting that the CFPB formally investigate TransUnion and all associated furnishers for : Failure to comply with identity theft protections under FCRA 605B Improper response procedures under XXXX XXXX and E-OSCAR dispute codes Willful negligence in continuing to report known fraudulent entries Providing deceptive and boilerplate responses rather than conducting proper investigations

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