Consumer complaint received 2025-10-27 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: NV

Complaint narrative:
Dear TransUnion Compliance and Legal Department, This letter constitutes a formal rebuttal and demand for immediate compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your recent communication falsely claiming that my dispute did not come from me or someone authorized is an unlawful obstruction of my federally protected right to dispute and correct inaccurate credit information. 

Your refusal to reinvestigate, combined with continued reporting of inaccurate, obsolete, or unverifiable information, demonstrates a willful disregard for federal consumer protection law. This correspondence is being submitted to both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) as evidence of a pattern of unlawful stall tactics used by TransUnion. 
Summary of Violations Failure to reinvestigate consumer disputes in violation of 15 U.S.C. 1681i ( a ) ( 1 ).

Failure to ensure maximum possible accuracy under 1681e ( b ).

Failure to block unverifiable information under 1681c-2. 
Issuance of a false and deceptive stall letter in violation of 1681i ( a ) ( 1 ) ( A ).

Willful and negligent noncompliance under 1681n and 1681o.

Failure to maintain reasonable procedures for identity verification under 1681h ( a ) ( 1 ).

Failure-to-Authenticate Stall Response The assertion that my prior dispute was unauthorized is categorically false. My previous correspondence included my full name, current address, telephone number, and the last four digits of my Social Security numbersufficient identifying information to authenticate my identity. TransUnions refusal to process that dispute constitutes an unlawful stall response and a direct violation of 1681i ( a ) ( 1 ). This letter serves as a formal demand to immediately correct and process all prior disputes. 

Disputed Items by Category A. Inaccurate Personal Identifiers Only the following information is accurate and should remain : Current Address : XXXX XXXX XXXX, XXXX, NV XXXX Current Phone Number : ( XXXX ) XXXX All other addresses, name variations, and telephone numbers listed in my TransUnion file are inaccurate and must be permanently deleted under 15 U.S.C. 1681e ( b ). 

B. Inaccurate/Derogatory Accounts Achieve Personal Loans ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  & XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) C. Unauthorized/Unverified Hard Inquiries 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

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