Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
________________________________________ CFPB Dispute Letter ( for simultaneous service on Experian, TransUnion XXXX Equifax ) 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 XXXXXX/XX/XXXX ________________________________________ 1. Purpose of this filing I am lodging one CFPB complaint that incorporates the three nationwide consumer-reporting agencies named above. Each of them continues to report medical-related tradelines that are ( a ) factually inaccurate, ( b ) unsupported by documentary evidence, and ( c ) subject to immediate deletion under both the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and California Health & Safety Code 128735.2 ( SB 1063, eff. XXXX XXXX XXXX, requiring medical debt to be purged from consumer reports ). 
________________________________________ 2. Accounts in dispute # Account ( abridged ) Bureau ( XXXX ) now reporting Balance Problem XXXX XXXX XXXX XXXX ExperianXXXX Equifax XXXX ( EX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, TransUnion XXXX ( TU screenshot ) XXXX XXXX ( EX secured card ) Same account split & double-reported ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion only XXXX Appears nowhere else indicates file-merge error XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any tradeline that does not appear on every bureau is, by definition, unverified and must be deleted under 15 U.S.C. 1681e ( b ). 
________________________________________ 3. Prior CFPB complaints and agency responses CFPB # Bureau notified Filing date Investigation complete letter Key violations XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Same-day form letter ; no independent docs 1681i ( a ) ( XXXX ) ( A ), 1681e ( b ) XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX e-Oscar parroting ; no Method-of-Verification 1681s-2 ( b ), 1681i ( a ) ( 6 ) ( B ) ( iii ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Verified with no evidence ; failed to block inaccurate info 1681i ( a ) ( 3 ) ( A ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Refused to disclose procedures 1681i ( a ) ( 7 ) XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Did not supply furnisher contact data ; failed to mark file in dispute 1681c-1 All five investigations closed the same day they were opened, proving that no reasonable reinvestigation occurred. 
________________________________________ 4. Legal grounds for relief FCRA 1681i ( a ) reasonable reinvestigation within 30 days ; furnish Method of Verification.

FCRA 1681e ( b ) maintain maximum possible accuracy.

FCRA 1681s-2 ( b ) duty of furnishers after notice of dispute.

Reg. V, Appendix E prohibits recycling previously disputed data. 
California SB 1063 / H. & S. 128735.2 prohibits reporting of medical debt after 180 days and mandates deletion upon dispute. 
________________________________________ 5. Demand for action 1. Delete every tradeline listed in section 2 from all three credit files within 15 days of receipt, or provide legible, itemized medical billing records, chain-of-custody, and HIPAA authorizations proving liability .

2. Mail a corrected report and the Method of Verification required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. Cease furnishing the disputed data to third parties during reinvestigation ( 1681i ( d ) ).

Failure to comply will compel me to pursue statutory and punitive damages under 1681n & o, and to escalate this matter to the California Attorney-General for violation of state law. 
________________________________________ Sincerely, 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