Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ________________________________________ To : TransUnion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Demand for Deletion and Compliance FCRA Violations and Improper Handling of Disputes ________________________________________ To TransUnion : You have repeatedly : Verified disputed accounts without providing any documentation or valid method of verification.

Reinserted previously deleted accounts without required notice in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

Allowed deleted accounts to reappear under new entries or with modified account numbers.

Reported conflicting balances and statuses across investigations and disputes.

Ignored multiple disputes with new supporting documentation.

Failed to ensure accuracy as required under FCRA 1681e ( b ), and violated 1681i ( a ) by refusing to reinvestigate in good faith. 
Disputed accounts : XXXX XXXX XXXXXXXX | Account # XXXX | {$36000.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX | Account # XXXX | {$7900.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  | Account # XXXX | {$4500.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  | Account [ Redacted ] | Deleted | [ XX/XX/XXXX ] XXXX XXXX XXXX  | Account XXXX XXXX XXXX {$1200.00} | [ XX/XX/XXXX ] XXXX XXXX XXXX  | Account XXXX XXXX XXXX {$1300.00} | [ Dates not specified ] ________________________________________ To XXXX : You have repeatedly XXXX Failed to remove or correct disputed data even after acknowledging errors.

Reinserted deleted accounts without notification.

Ignored dispute submissions and CFPB follow-ups. 
Reported differing and inaccurate balances across tradelines. 
Failed to provide written confirmation of removals or investigation results. 
Reported personal information ( e.g., addresses ) inaccurately and refused to correct them. 
Disputed accounts : XXXX XXXX XXXX  | Account # Ending XXXX | {$36000.00} | [ XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX | Account # Ending XXXX | {$7900.00} | [ XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX | Account # Ending XXXX | {$93.00} | [ XX/XX/XXXX, XX/XX/XXXX ] XXXX | Account # Ending XXXX | {$11000.00} | [ XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  | Account [ Redacted ] | Deleted | [ XX/XX/XXXX, XX/XX/XXXX ] ________________________________________ To Experian : You have repeatedly : Reinserted previously deleted accounts without providing any written notice as required under FCRA 1681i ( a ) ( 5 ) ( B ).

Refused to reinvestigate legitimate disputes by claiming " previously disputed '' status, even when new documentation was submitted. 
Reported inconsistent data across credit reports, including payment histories and account statuses. 
Passed off responsibility to your internal Dispute Center without issuing timely or valid results. 
Failed to properly respond to CFPB case escalations. 
Maintained incorrect account balances and failed to correct basic inaccuracies like names and addresses. 
Disputed accounts : XXXX XXXX XXXX | Account # XXXX | {$7900.00} and {$93.00} | [ XX/XX/XXXX, Multiple prior disputes See CFPB XXXX, XXXX ] XXXX XXXX Services | Account # XXXX | {$4500.00} | [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | Account # XXXX | Deleted | [ XX/XX/XXXX ] XXXX Final Demands : Under FCRA 1681e, 1681i, 1681c, and other applicable laws, I am demanding the following : Immediate deletion of the inaccurate, unverifiable, and improperly reinserted accounts listed above.

A complete, written response documenting the methods of verification and corrective actions taken.

Certification that any deleted information will not be reinserted unless all statutory requirements are satisfied.

Should you fail to comply, I will pursue additional complaints, regulatory escalation, and legal action under FCRA 616, 617 for damages caused by your ongoing violations. 
Please acknowledge this letter in writing and confirm all actions taken within XXXX calendar days. 
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