Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I submit this formal complaint against Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). 

Accounts Involved : 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 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 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 Despite more than 15 days passing since I sent a certified dispute letter to all three credit bureaus requesting verification details, I have not received any response or documentation, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692g ( a ) ( 4 ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Related Lawsuits & CFPB Actions The CFPB has previously taken enforcement actions against the credit bureaus for similar violations. These actions reinforce the validity of my complaint. Relevant cases include : Experian Lawsuit ( XX/XX/XXXX ) TransUnion Settlement ( XX/XX/XXXX ) Equifax Lawsuit ( XX/XX/XXXX ) Demands for Resolution Immediate removal and blockage of all fraudulent accounts and unauthorized inquiries. 

Written confirmation of removal and updated credit reports. 

A full investigation into the unauthorized recording of these accounts. 

Compliance with identity theft protections under XXXX XXXX. XXXX ( XXXX ). 

Conclusion The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. I urge immediate enforcement action to ensure compliance with federal law and to provide remedies for willful and negligent violations under 15 U.S.C. 1681n and 1681o. 

Sincerely,

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