Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date : XX/XX/XXXX, XXXXXXXX XXXX  XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding FCRA Violations and Request for Removal of Verified Accounts Dear CFPB, I am filing this complaint against Equifax, Experian, and TransUnion due to ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i , following their failure to adequately resolve disputes regarding inaccurate information on my credit reports. Despite submitting dispute letters dated [ insert previous letter date ], several accounts were verified and remain on my reports, despite evidence of inaccuracies. I request your investigation and action to compel the removal of these accounts. 

# # # # Background I previously disputed the following items with the credit bureaus, providing supporting documentation. However, the bureaus reinvestigations were insufficient, and the accounts were verified without addressing the identified inaccuracies. This suggests a lack of reasonable procedures to ensure maximum accuracy ( 15 USC 1681e ( b ) ) and failure by furnishers to correct or delete disputed information ( 15 USC 1681s-2 ), warranting deletion under 15 USC 1681i . 

# # # # Disputed Items # # # # # Category : Accounts | Item Code | Detail | Discrepancy/Issue | Reason for Complaint | Evidence Provided | | -- -- -- -- -- -| -- -- -- -- | -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -| | XXXX | Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$120.00}, Status : Charged off ( XX/XX/XXXX ), Date Opened : XX/XX/XXXX, On Record Until : XX/XX/XXXX | Verified by all bureaus despite disputed late payment history ( 30150 days ) and charge-off status. My records show timely payments or a different status. | The bureaus reinvestigation violated 15 USC 1681i by failing to resolve discrepancies, and the furnisher ( XXXX XXXX ) violated 15 USC 1681s-2 by not correcting inaccurate data. | Payment records, dispute response. | | XXXX | Account : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX, Balance : {$0.00}, Status : Paid, Closed/Never late, Date Opened : XX/XX/XXXX, On Record Until : XX/XX/XXXX | Verified with discrepancies ( e.g., XXXX reported {$50.00}, Open XXXX TransUnion reported Closed ). | The reinvestigation violated XXXX XXXX XXXX ( b ) due to inconsistent reporting across bureaus, indicating a lack of accuracy. | Account statements, dispute response. | | XXXX | Account : XXXX XXXX XXXX  XXXX Acct # : XXXX, Balance : {$370.00}, Status : Open/Never late, Date Opened : XX/XX/XXXX | Verified with balance variations ( e.g., XXXX {$400.00}, XXXX {$350.00} ) XXXX despite my evidence of correct balance. | The furnisher violated 15 USC 1681s-2 by failing to update accurate data, and the bureau violated 15 USC 1681i by not deleting unverifiable differences. | Bank statements, dispute response. | # # # # Complaint Details 1. * * Inadequate Reinvestigation ( 15 USC 1681i ) * * : The credit bureaus did not conduct a reasonable reinvestigation after receiving my dispute. They failed to review all relevant evidence ( e.g., payment records ) and relied solely on furnisher verification, which is insufficient under FCRA guidelines. 
XXXX. * * Lack of Accuracy ( 15 USC 1681e ( b ) ) * * : The verified accounts contain persistent inaccuracies ( e.g., charge-off status, balance discrepancies ), indicating the bureaus did not employ reasonable procedures to ensure maximum possible accuracy.

3. * * Furnisher Non-Compliance ( 15 USC 1681s-2 ) * * : The furnishers ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX did not correct or verify the accuracy of the disputed data, perpetuating errors on my credit report. 

# # # # Requested Action I request that the CFPB : - Investigate the credit bureaus and furnishers compliance with the FCRA. 
- Order the immediate removal of the disputed accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from my credit reports due to violations of 15 USC 1681e ( b ), 15 USC 1681s-2 , and 15 USC 1681i.

- Provide me with a written response detailing the investigations findings and corrective actions.

# # # # Supporting Documentation - Copies of dispute letters sent to Equifax, Experian, and TransUnion ( [ insert dates ] ).

- Copies of payment records and bank statements. 
- Copies of bureau responses verifying the accounts. 

# # # # Consumer Information - Full Name : XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX - Social Security Number : XXXX ( last XXXX digits ) - Date of Birth : XXXX ( exact date withheld for security ) I can be contacted at XXXX or XXXX for further assistance. Thank you for addressing this matter promptly. 

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