Consumer complaint received 2025-03-27 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Response to TransUnion 's Continued FCRA Violations, Deceptive Practices, and Unsatisfactory InvestigationComplaint Number : XXXX : XX/XX/year> Dear CFPB, I am writing to formally dispute and express my extreme dissatisfaction with TransUnions recent inadequate response to my previous CFPB complaint ( # XXXX ), submitted on XX/XX/year>. TransUnion continues to violate my rights under the Fair Credit Reporting Act ( FCRA ), engaging in practices that are harmful, deceptive, and damaging to my financial and emotional well-being. 
Continued Violations by TransUnion : 1. Violation of FCRA 611 ( a ) ( 7 ) Inadequate Verification : TransUnion claims they have verified fraudulent accounts, specifically XXXX XXXX XXXX XXXX and XXXX XXXX, without providing any verifiable evidence or documentation of the verification process. The FCRA explicitly states my right to receive : * Specific documentation of the verification process, * The source of verification, and * Copies of the original documentation provided by creditors.

TransUnion has blatantly disregarded this requirement.

2. Violation of FCRA 605BImproper Rejection of Identity Theft Documentation : Despite my submission of an FTC Identity Theft Affidavit, a formal Police Report, government-issued identification, Social Security card , and a utility bill, TransUnion continues to wrongly assert that my documentation is incomplete or unacceptable. This claim is baseless, misleading, and constitutes intentional obstruction of my rights under 605B. Such refusal perpetuates my financial injury and emotional distress.

3. Violation of FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion of Fraudulent Accounts : Previously removed fraudulent accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ) were unlawfully reinserted into my credit file without the mandatory five-day written notification required under the FCRA. This act represents intentional deception and a direct violation of federal law.

4. Unauthorized and Deceptive Dispute Practices : TransUnion initiated disputes on accounts I did not request, further harming my credit profile and credibility with financial institutions. This unauthorized act constitutes deceptive business practices, compounding my financial harm and emotional distress.

Additional Demand Regarding Communication : I explicitly request that TransUnion cease all communications via regular U.S. mail immediately. All future correspondence from TransUnion must exclusively be conducted through certified mail to ensure accuracy, timeliness, and proof of receipt.This measure is necessary due to TransUnion 's pattern of inadequate and misleading communication.

Requested Immediate Actions from CFPB : * Enforce Immediate and Permanent Removal : Compel TransUnion to immediately and permanently delete all fraudulent and inaccurately verified accounts, notably XXXX XXXX XXXX XXXX, XXXX XXXX, and any disputed accounts improperly verified or inserted without evidence. 
* Verification Transparency : Demand TransUnion furnish clear, detailed, original documentation of their verification process or immediately delete disputed items if documentation can not be provided, as required under FCRA 611 ( a ) ( 5 ) ( A ).

* Enforcement Action and Monetary Penalties : Given the severity, repetitiveness, and intentional nature of these FCRA violations, I request CFPB initiate strict enforcement actions, including imposing fines against TransUnion for repeated violations and deceptive practices. * Financial Compensation : TransUnion 's actions have cause
d substantial financial harm, mental distress, damage to my credit standing, emotional anguish, and repeated inconvenience. I therefore request monetary compensation in the amount of {$15000.00}.

TransUnions continued disregard for FCRA compliance and consumer protection must be addressed promptly and definitively. I appreciate the CFPBs immediate attention to this serious and ongoing matter, and I look forward to your swift intervention. 
Respectfully submitted, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

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