Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Subject : Failure to Delete Unlawfully Reported and Unverified Information Ongoing FCRA and FDCPA Violations by Credit Bureaus Complaint Against : TransUnion Experian Equifax Summary of Complaint : I am filing this complaint due to continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the three major credit reporting agenciesTransUnion, Experian, and Equifax. Although some inaccurate accounts have been removed from my file, several remain that are being reported unlawfully, without verification, and in contradiction of federal law. All three bureaus were previously notified in writing with formal disputes, FTC Identity Theft reports, and references to the relevant statutes. 
Despite that : They continue to rely on furnishers ' " verification '' without providing any documentation or proof. 


They have failed to provide proof of permissible purpose or my authorization for certain accounts and inquiries.

They have continued to report charge-offs as collectible debt, potentially in violation of IRS 1099-C regulations.

They have not consistently marked the disputed accounts as disputed, as required under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Details per Bureau : TransUnion Deleted some accounts and inquiries, but failed to remove the XXXX XXXX XXXX XXXX account ( Acct : XXXX ), which is charged-off and unverifiable. 


Reinserted a XXXX XXXX  charge-off account without notifying me within XXXX business days, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 


Left unauthorized inquiries on file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without showing proof of permissible purpose, in violation of 15 U.S.C. 1681b ( f ).

Failed to mark accounts as disputed, violating 1681s-2 ( a ) ( 3 ). 


Experian Still reports XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX accounts with no proof of accuracy or authorization. 


Verified accounts without providing any documentation or audit trail, ignoring my request for verification details.

Failed to comply with FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( a ) ( 1 ) ( A ) ( reporting false information ).

Sent a generic explanation letter instead of addressing the specific legal violations I raised.

Ignored the potential IRS 1099-C implications for charged-off debt, which can not be simultaneously reported as due or active. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) without proof or proper reinvestigation. 


Deleted some inquiries, but left others unverified or inaccurately marked as " not currently reporting. '' Like the others, failed to provide any documentation showing my consent or account ownership. 


Reporting status and fields modified across the bureaus are inconsistent, demonstrating noncompliance with FCRA 1681e ( b ).

No response was provided regarding validation under FDCPA 1692g ( a ).

Requested Resolution : I am requesting that the CFPB enforce the following : Full deletion of the XXXX XXXX XXXX XXXX and XXXX XXXX  accounts from all three bureaus. 


Deletion of all unauthorized and unverifiable hard inquiries.

Immediate investigation into the failure to mark accounts as disputed.

Enforcement action or fines if the credit bureaus can not produce validation documents, including original signed contracts, authorization for inquiries, and creditor-provided 1099-C forms if debt was canceled.

Prohibition against sending stall or template letters that do not address specific legal claims. 


A permanent notation or action if bureaus are found to have reinserted deleted accounts without proper certification and notice. 



Supporting Documentation : Formal dispute letters sent to all three bureaus ( dated XX/XX/year> ) Bureau responses FTC Identity Theft Report ( to be added ) Previous CFPB complaint confirmation ( to be added ) Let me know once you're ready to add the FTC report and previous CFPB confirmation, and I can revise this draft for formal submission formatting or upload.

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