Consumer complaint received 2025-04-08 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:
I REQUESTED A RE-INVESTIGATION AND i KEEP GETTING THE VERY SAME RESULTS FROM TRANSUNION AS THIS DEBT IS ACCURATE, BUT I DID THE VERY SAME INVESTIGATION : I CALLED THE PHONE NUMBER LISTED AND FOUND OUT THIS XXXX XXXX IS USING ANOTHER BUSINESS IN ANOTHER STATE PHONE NUMBER THAT DO NOT EVEN KNOW OF SUCH A COMPANY, AND IS REPORTING THEY ARE GETTING NUMEROUS CALLS SEARCHING FOR THE SAME COMPANY. THIS IS SHOWING ME THAT TRANSUNION, EXPERIAN AND EQUIFAX IS NOT PERFORMING INVESTIGATIONS AT ALL, AND I DEMAND DELETION ALL ACCOUNTS AND I WILL BE SEEKING LEGAL ACTIONS ON ALL THREE CREDIT BUREAUS FOR THESE SHAM AND BOGGISH INVESTIGATIONS. BELOW IS THE LETTER HAVE SENT : VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized and Unlawful Reporting of Debt Immediate Deletion Required To Whom It May Concern, I am formally disputing the inclusion of certain accounts on my consumer credit report that have been reported without my explicit consent, in violation of federal law. Specifically, these accounts appear to be collection accounts that have been placed on my credit file without my authorization, contradicting both federal consumer protection laws and an Executive Order signed by President Donald Trump.

Under this Executive Order, debt collection agencies can not legally furnish or report any derogatory information to Experian, Equifax, or TransUnion without first obtaining the explicit consent of the consumer. This measure was enacted to protect consumers from unlawful and harmful credit reporting practices, which have historically allowed debt collectors to damage consumer credit reports without substantiating their claims or obtaining proper authorization.

Violations of Federal Law & Consumer Rights 1. Unlawful Reporting Without Consumer Consent - The Executive Order explicitly prohibits debt collectors from furnishing data to credit bureaus without consumer approval. The lack of documented consent from me as the consumer invalidates any attempt to justify the reporting of this debt. 
XXXX. Failure to Provide Proof of Authorization & Verification - Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), I have the legal right to dispute any information that is inaccurate, unverifiable, or unauthorized. 
- As the furnisher of information, the collection agency is legally required to provide clear proof that I agreed to have this account reported. Failure to provide such documentation within the XXXX timeframe means this account must be deleted immediately. 
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  ( AFTER MY OWN INVESTIGATION OF THIS COMPANY, THEYRE USING ANOTHER COMPANYS PHONE NUMBER THAT IS LOCATED IN THE STATE OF KENTUCKY THAT HAS NEVER HEARD OF THIS COMPANY-EQUIFAX DID NOT EVEN INVESTIGATE THIS INFORMATION ) 3. Failure to Conduct a Proper Investigation - Per FCRA 1681i ( a ) ( 1 ) ( A ), Experian, Equifax, and TransUnion are required to conduct a reasonable reinvestigation of disputed accounts. 
- A proper investigation would require obtaining written consent from me, the consumer, explicitly allowing this debt to be reportedwhich does not exist. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Precedent - The CFPB has taken action against credit reporting agencies and collection agencies for failing to comply with federal regulations. 
- The lack of compliance with both FCRA provisions and the Executive Order places Experian, Equifax, and TransUnion in direct violation of consumer protection laws.

Immediate Action Required To resolve this matter in compliance with federal law, I demand that you : Immediately delete the unauthorized collection account ( XXXX ) from my credit report. 
Provide me with documented proof of my consent to have this debt reported. If no such proof exists, the account must be deleted immediately. 
Send a written confirmation that the account has been removed and a copy of my updated credit report reflecting the deletion. 
Legal Notice & Intent to Pursue Remedies Failure to comply with this request within the statutory XXXX period will leave me with no alternative but to : File complaints with the CFPB, FTC, and my State Attorney Generals office regarding Experian/Equifax/TransUnions failure to comply with federal law.

I will Initiate legal action for violations of the FCRA ( 15 U.S.C. 1681n and 1681o ) and seek damages for willful noncompliance. 
Pursue punitive damages for the reckless and harmful reporting of unverified and unauthorized information. 
This is your final notice. I expect full compliance within the legally mandated timeframe of XXXX days from receipt of this letter. 
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