Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
This is a formal complaint against TransUnion, Equifax, and Experian for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ). These agencies have failed to adhere to federally mandated procedures regarding the accuracy, reinsertion, and removal of disputed and fraudulent information. 

1. TransUnion Unlawfully Reinserted XXXX XXXX Account ( Opened XX/XX/XXXX ) TransUnion reinserted a XXXX XXXX account ( opened XX/XX/XXXX ) without the required 5-day advance written notice, violating FCRA 611 ( a ) ( 5 ) ( B ). This account was previously removed and remains deleted from Equifax and Experian. I have submitted eight ( 8 ) disputes, each with complete supporting documentation : Drivers License Social Security Card Utility Bill FTC Identity Theft Report TransUnion is also in violation of FCRA 605B, which mandates that upon receiving proper identity theft documentation, the bureau must block fraudulent information within 4 business days. TransUnion has failed to do so and continues to report inaccurate data. 

2. All Bureaus Reinserted Fraudulent XXXX XXXX  XXXX XXXX ( {$31000.00} Opened XX/XX/XXXX ) All three bureaus Equifax, Experian, and TransUnion have reinserted a fraudulent XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX in the amount of {$31000.00} ), which had been previously removed twice. This reinsertion was made : Without providing the legally required 5-day notice Without certified mail, as required under FCRA 611 ( a ) ( 5 ) ( B ) This constitutes noncompliance with reinvestigation protocols and federal law. 

3. Fraudulent Hard Inquiries Equifax & TransUnion ( Dated XX/XX/XXXX ) Despite submission of proper identity theft documentation, Equifax and TransUnion continue to report fraudulent hard inquiries dated XX/XX/XXXX from : 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  These inquiries were unauthorized, and Experian has already removed them. By refusing to delete them, Equifax and TransUnion are violating : FCRA 604 ( a ) ( 2 ) Reports may only be accessed with consumers written permission FCRA 605A ( b ) Duty to block identity theft-related data upon request FCRA 611 Failure to conduct reasonable reinvestigation 4. Inaccurate Reporting of Late Payments XXXX  Accounts I am disputing false late payment reporting for XX/XX/XXXX on the following accounts : XXXX  Account Ending XXXX Opened XX/XX/XXXX | Credit Limit : {$1000.00} XXXX Account Ending XXXX Opened XX/XX/XXXX | Credit Limit : {$500.00} I was never late, and no derogatory payment history should be reported. Further, reporting any derogatory payment or transaction without my written authorization or while under dispute violates : FCRA 604 ( a ) Credit reporting requires written permission FCRA 1666 ( 15 U.S. Code 1666 ) A creditor must not report late payments while billing errors or unauthorized transactions are under investigation FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must only report accurate information

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