Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against Equifax and Experian regarding serious issues with how they have reported and handled three charge-off accounts appearing on my credit reports.

Despite multiple dispute attempts, These two had failed to properly investigate inaccurate and incomplete information. Here are the details : 1. Three charge-off accounts are being reported under my name.

2. I submitted disputes regarding these accounts, and the credit union corrected one account twice but failed to delete it despite clear errors.

3. The remaining two accounts were marked as verified and accurate within seconds, which indicates no actual investigation was conducted.

4. I have not received any original signed contracts or documentation validating these debts.

5. After re-disputing the same errors, the credit union still failed to investigate or respond properly, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Furnisher Rule ( 12 CFR 1022.42 ). 

Issue with Equifax and XXXX XXXX XXXX : In [ XX/XX/year> ], I called Equifax and disputed a XXXX XXXX XXXX collection over the phone. 
The Equifax representative assured me verbally that the account would be deleted, but it remains on my report to this day. 
This broken promise, along with the lack of written explanation or follow-up, violates my rights under the FCRA and reflects negligent conduct by Equifax in handling disputes. 
XXXX has never provided proof of debt, contract validation, or follow-up, yet continues to report this collection. 

I am requesting that the CFPB : Launch a full investigation into the above entities for violations of the FCRA and Furnisher Rule ( 12 CFR 1022.42 ).

Require the credit union to delete the inaccurate charge-off accounts unless full and verifiable proof is provided. 
Require Equifax to delete the XXXX XXXX XXXX account as was promised by their representative. 
Require XXXX to provide contract validation, or delete the account if it can not be proven. 

This conduct is harmful to my financial standing and reputation. I respectfully request that the CFPB investigate this matter, compel the credit union to provide documentation validating these accounts, and if they are unable to do so, require the deletion of the inaccurate charge-offs from all credit bureaus. 

XXXX been deleted by TransUnion. 

I am attaching copies of my dispute letters, credit reports, and any correspondence I have received from the credit union. Please let me know if additional documentation is needed to support my claim. 

Experian : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Transunion : XXXX XXXX XXXX and XXXX The inquiries I have disputed has not been properly verified. I have not given permission to get my credit ran to those companies. 
Note : I would like to sue Equifax Thank you for your time and attention to this matter. 

Sincerely, 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