Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
Experian and Transunion continue to report inaccurate and incomplete information on my credit report. The account listed as XXXX XXXX  Account # : XXXX is incomplete it does not have complete information to fully authenticate that the information is mine. This is also a result of identity theft and by law this information can not be reported. I also provided an identity theft report and neither credit bureau took reasonable action to investigate this matter. 

Laws 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES | U.S.

Code | US Law | LII / Legal Information Institute ( cornell.edu ) Have 30 days to respond15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) a According to FCRA, any information that is not 100 % correct and current ( e.g. old school names and addresses ) from a report must be deleted 15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) If it comes back, the bureau has to notify in writing within 5 days that it is going to be put back on your credit report. If they do not ( which they often dont ), they broke the 3 ) law. And, if you have demanded validation prior to that from the supplier of the information ( the collection company ), then they broke the law too. Thats a {$2000.00} minimum judgment in one swift motion. Then, they will have to pay AND remove the tradeline15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ii 4 ) Negative information consumer must be notified 30 days prior or after Fair Credit Reporting Act - Revised XX/XX/year> ( ftc.gov ) 5 ) Reasonable procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 6 ) A third-party can't legally claim to verify anything because they lack first-hand knowledge I am writing to dispute certain inaccurate and/or incomplete information contained in mycredit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 
Account Information to Be Disputed : Creditor Name : XXXX XXXX Account Number : XXXX Description of the Inaccuracy : fraudulent account, Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of my identity theft report and credit report, which serve as evidence to support my claim. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information.

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution.

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