Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Formal Complaint Against Experian for FCRA Violations and XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian regarding their repeated violations of the Fair Credit Reporting Act ( FCRA ), deceptive practices, and failure to conduct a reasonable investigation into my disputes. Despite providing Experian with substantial evidence, including an FTC Identity Theft Affidavit, a police report, a copy of my Social Security card, government-issued ID, and proof of residence, Experian has XXXX to comply with its legal obligations. 
XXXX. Failure to XXXX a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Experian has neglected its duty to conduct a reasonable reinvestigation of my disputed accounts. My credit report contains multiple inaccuracies, including accounts that should have been removed due to identity theft. Instead of conducting a thorough investigation, Experian has repeatedly reinserted previously deleted items without notifying me in writing, a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Additionally, Experian has failed to provide verification documents from the furnishers proving the accuracy of the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a copy of any documentation that was used to verify the disputed information. However, Experian has not provided any evidence supporting its determination. 
XXXX. Repeated Re-Insertion of Previously Deleted Accounts Without Notice The XXXX account was previously deleted but has been reinserted without notification, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( ii ), which requires consumer reporting agencies to notify consumers within XXXX business days of any reinserted information. Experian failed to provide such notice, which further demonstrates their reckless disregard for FCRA compliance. 
XXXX. Failure to XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) Experian is also in violation of 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information upon receiving a police report and identity theft affidavit. Despite my submission of these documents, Experian has refused to block fraudulent accounts ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX from my credit file. Instead, they have placed the burden on me to provide unnecessary additional documentation, an act which courts have ruled as a willful violation of the FCRA ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
XXXX. Deceptive Practices and XXXX XXXX Experian 's repeated negligence has caused significant mental distress and financial hardship. Due to their reporting errors, I have been denied credit opportunities, suffered higher interest rates, and endured unnecessary stress. Their refusal to conduct a proper investigation and their deceptive practices in handling disputes violate 15 U.S.C. 45 ( a ) of the FTC XXXX, which prohibits unfair and deceptive practices. 
XXXX. Demands for XXXX XXXX XXXX the FCRA, I demand the following actions be taken immediately : XXXX. Immediate deletion of all fraudulent accounts that have been verified without proper documentation. 
XXXX. A full investigation into Experians failure to comply with 15 U.S.C. 1681i, including their failure to provide documentation supporting their verification process. 
XXXX. A written statement from Experian explaining why they have failed to block fraudulent information, despite receiving an FTC Identity Theft Affidavit and police report. 
XXXX. A fine and enforcement action against Experian for their pattern of deceptive and unfair practices, as recently highlighted in the CFPBs lawsuit against them. 
Conclusion Experian has demonstrated a blatant disregard for consumer protection laws. Their continued refusal to comply with the FCRA, reinsertion of fraudulent accounts, and failure to conduct a reasonable reinvestigation warrant immediate regulatory action. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and seek legal action under FCRA XXXX for willful noncompliance. 
I trust that the CFPB will take swift action against Experian for their unlawful conduct. Thank you for your time and attention to this serious matter. I look forward to your response within the legally mandated XXXX timeframe. 
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