Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I am requesting immediate corrective action to remove disputed accounts, as Experians inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation for each of the accounts being requested to be removed.

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report Number XXXX ( XXXX ) - Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 
2. Report Number XXXX ( XXXX ) -Also marked as verified and updated, with no explanation of how the investigation was conducted. 
3. Report Number XXXX ( XXXX ) - Similarily, Accounts : XXXX XXXX XXXX Account NO. XXXX and XXXX XXXX XXXX Account NO. XXXX each marked verified and updated, despite no evidence being provided to substantiate the accounts validity and the accounts remains on my credit report to this day. Account XXXX XXXX Account XXXX. XXXX marked deleted and states this item was removed from your credit report, which is FALSE, the account remains present on my credit after this dispute and now being named XXXX XXXX XXXX with same account number. These accounts have never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were deleted and " verified and updated '' while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices.

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 non-monetary relief