Consumer complaint received 2025-08-14 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 am requesting the immediate deletion of the following accounts from my credit files with Experian, Equifax, and TransUnion.

Each of these accounts was previously disputed and verified without the bureaus providing the method of verification or documentation used to verify, as required by law.

This is a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Equifax XXXX XXXX Company Verified with no method of verification or proof provided.

FCRA Violations : 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

611 ( a ) ( 5 ) ( A ) Continued reporting of unverifiable information.

611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification.

611 ( a ) ( 7 ) Failure to provide description of verification procedure. 

XXXX XXXX XXXX  ( all tradelines ) Verified with no documentation provided. 
FCRA Violations : Same as above. 

XXXX XXXX XXXX XXXX XXXX 
Verified with no method of verification or supporting documents.

FCRA Violations : Same as above. 

XXXX  XXXX XXXX ( all tradelines ) Verified with no proof of verification provided. 
FCRA Violations : Same as above. 

TransUnion XXXX ( formerly XXXX ) Verified with no method of verification or proof provided.

FCRA Violations : Same as above. 

XXXX XXXX XXXXXXXX Verified with no proof of verification provided.

FCRA Violations : Same as above. 

XXXX  XXXX Verified with no method of verification provided. 
FCRA Violations : Same as above. 

XXXX XXXX XXXX Verified without providing any verification documents.

FCRA Violations : Same as above. 

XXXX XXXX XXXX  ( all tradelines ) Verified without documentation or description of verification procedure.

FCRA Violations : Same as above.

Experian XXXX  Verified with no proof of verification provided.

FCRA Violations : Same as above. 

XXXX  XXXX XXXX ( all tradelines ) Verified with no method of verification provided. 
FCRA Violations : Same as above. 

XXXX  XXXX Verified with no proof of verification provided. 
FCRA Violations : Same as above. 

XXXX XXXX XXXX  Verified without providing method of verification or documentation.

FCRA Violations : Same as above. XXXX XXXX : I request that the CFPB compel E
xperian, Equifax, and TransUnion to delete all of the above accounts from my credit file due to : Failure to conduct a reasonable reinvestigation ( 611 ( a ) ( 1 ) ) ; Continued reporting of unverifiable information ( 611 ( a ) ( 5 ) ( A ) ) ; Failure to provide the method of verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; Failure to provide a description of verification procedure ( 611 ( a ) ( 7 ) ).

will have to take legal actions against. The Credit Bureaus Experian Equifax TransUnion Theyre legally obligated under the FCRA to : Conduct a reasonable reinvestigation within 30 days ( 611 ( a ) ( 1 ) ).

Delete unverifiable information ( 611 ( a ) ( 5 ) ( A ) ).

Provide the method of verification upon request ( 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Give a description of the verification procedure ( 611 ( a ) ( 7 ) ).

If they verified but didnt actually provide verification, theyre in violation.

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