Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I contacted both TransUnion and XXXX XXXX XXXX XXXX XXXX to obtain clarification regarding the false designation of a collection account on my credit report as Collection Agency/Attorney, which is associated with TransUnions internal code 48. XXXX XXXX XXXX XXXX XXXX confirmed on record that they did not submit the account with any legal or attorney-related classification, nor did they report it using that code. They stated that TransUnion was solely responsible for applying that label. When I raised this issue with TransUnion, I was told by their representative that the XXXX XXXX XXXXswas the one that provided the information. When I explained that the agency had denied this and reiterated that it was TransUnions doing, the representative had no clear response. 

At that point, I said, this is for the record, and the representative responded, you are on a recorded line, but if you are recording us, we have to hang up, and then immediately disconnected the call. I never stated that I was recording the call, nor did I violate any law in making that statement. I reside in a one-party consent state, where I am legally permitted to record a conversation to which I am a party. Even if I had been recordingwhich I did not confirmdoing so would have been entirely lawful. The representatives decision to end the call based solely on my lawful and generic statement is a clear obstruction of my efforts to resolve a legally disputed and materially inaccurate credit entry. This was not an isolated incidentTransUnion representatives disconnected five separate calls when I attempted to address this issue or seek clarification.

This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failure to conduct a reasonable reinvestigation, and 1681e ( b ) for failing to ensure the maximum possible accuracy of the information being reported. TransUnions refusal to answer direct questions, its misrepresentation of the source of the false attorney label, and its repeated disconnectionsparticularly in response to a legally protected inquirycreate a clear pattern of retaliation, evasion, and suppression of due process. These actions further expose TransUnion to civil liability under 15 U.S.C. 1681n for willful noncompliance, and 1681o for negligent noncompliance.

This is also why I am unable to access my TransUnion portal, view my credit report, or see my score. After making multiple formal complaints through the CFPB, I am still blocked from accessing my own credit information through TransUnions platform. I believe this is a direct result of their attempts to hide or suppress access to the very type of misreporting and misconduct described above. There is no legitimate reason for this ongoing denial of access, and it raises further concern that TransUnion is engaging in retaliatory or evasive practices in response to consumer enforcement actions. 

These accounts in question are not simply collectionsthey are charged-off accounts that have been improperly manipulated through repetitive cycles of OPEN, CLOSED, OPEN, and CLOSED statuses, creating a misleading paper trail. This pattern of behavior appears to be a deliberate attempt to simulate compliance with dispute processes while circumventing the statutory requirements of the Fair Credit Reporting Act. Specifically, XXXX has removed the following accounts from my credit file : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly demonstrating that these accounts could not be verified or lawfully sustained under scrutiny. Yet despite these deletions, Experian and TransUnion continue to report the same accounts, damaging my credit profile with inaccurate, unverifiable, or outdated negative information.

With each dispute Ive filed, Experian and TransUnion reopen the accounts, close them, and then reopen them againoften changing small pieces of data or adding minor notes such as not reporting or updated in an attempt to reset the investigation clock and manufacture the appearance of compliance. This conduct violates the spirit and letter of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that reinvestigations must be completed within 30 to 45 days of receiving a dispute, and 1681i ( a ) ( 5 ) ( A ), which requires deletion of information that can not be verified. The deadlines for these investigations and reinvestigations have long since passed, and the continued cycling of account statuses constitutes a pattern of deceptive practices, obstruction of consumer rights, and willful noncompliance with federal law. These actions are not clericalthey are coordinated, systemic violations that materially harm me as a consumer by falsely extending the lifespan and visibility of charged-off debts.

EXPERIAN has also ignored my subscription cancellation. I emailed them four times about it and they still are not letting me into my free report to see what they are manipulating on my report.

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