Consumer complaint received 2025-03-05 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: MD

Complaint narrative:
THIS IS A REPEAT DISPUTE It has been extremely difficult getting the requested information from TransUnion. It has been extremely difficult to get anyone to take my dispute over the phone and via chat. 
and there is no way to dispute online because the dispute center 's website has been down for over XXXX weeks. 

I filed a dispute against the accounts below as inaccurate. These accounts are deceptive, misleading and fraudulent. 

XXXX XXXX XXXX XXXX reporting a past due amount of {$590.00} XXXX XXXX XXXX XXXX reporting a past due amount of {$760.00} XXXX XXXX XXXX XXXX reporting a past due amount of {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX reporting a past due amount of {$1000.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract signed with my wet ink signature that legally binds me to the above debts.

The above account are being reported without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides me, the consumer with the necessary proof of investigation. 

Also to include The statute of limitations for debt collection is covered in XXXX Code, Courts and Judicial Proceedings 5-101.

The statute of limitations begins when the debt is incurred. For credit cards, this is when the first minimum payment is missed. 

The XXXX missed payment as reported by the original creditor is as follows : XXXX XXXX XXXX XXXX/ The XXXX missed payment as reported by the original creditor XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XXXX/ The debt owed to the original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been resolved and is no longer shown on my report. 
XXXX XXXX XXXX XXXX XXXX The debt owed to the original creditor XXXX XXXX XXXX has been resolved and is no longer shown on my report. 
XXXX XXXX XXXX XXXX/ The XXXX missed payment as reported by the original creditor XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XXXX/ The debt owed to the original creditor XXXX XXXX XXXX  has been resolved and is no longer shown on my report. 

These accounts are unlawful according to 18 U.S. Code 894- Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

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