Consumer complaint received 2025-03-12 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Experian Information XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up Dispute Immediate Deletion of Unverified and Unlawfully Reported Accounts & CFPB Complaint Notice To the Dispute Departments of Experian and TransUnion, This letter serves as a formal follow-up dispute regarding the continued reporting of inaccurate and deceptive accounts on my credit file. Despite my previous disputesincluding my FTC identity theft report and multiple reinvestigation requestsyou have failed to comply with federal law and continue to unlawfully report unverifiable accounts.

Both Experian and TransUnion have lost my FTC report and ignored my disputes, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and constitutes negligent and willful noncompliance under 15 U.S.C. 1681n & 1681o.

I now demand immediate deletion of the following accounts : 1. XXXX XXXX  XXXX ( Charge-Off ) Opened XX/XX/XXXX This account has no account number listed on my credit report. 
The charge-off is unverified and unlawfully reported. 
2. XXXX XXXX  XXXX ( Charge-Off ) Opened XX/XX/XXXX This account also has no account number listed. 
The charge-off is unverified and violates federal reporting requirements. 
3. XXXX XXXX XXXX XXXX XXXX  Account # XXXX The date opened is not verified. 
The reporting of this mortgage account contains fraudulent and deceptive inaccuracies. 
4. XXXX XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX ) This account is misclassified as an auto lease when it was a retail installment agreement. 
It is unverifiable and must be deleted immediately. 
5. XXXX XXXX XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX ) This account is also falsely reported as an auto lease. 
It is inaccurate and unverified under FCRA guidelines. 
6. XXXX XXXX  Bankruptcy Reporting ( No Account Number Listed ) There is no proper documentation verifying this bankruptcy. 
XXXX XXXX Account needs to be Removed as well XXXX does not furnish bankruptcy data to credit bureaus, making the reporting unverifiable and illegal. 
Your failure to delete these accounts immediately will result in a Consumer Financial Protection Bureau ( CFPB ) complaint and further legal action seeking full statutory, punitive, and actual damages. 
1. Experian & TransUnions Ongoing Violations of Federal Law The continued reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : FCRA 1681s-2 ( a ) ( 7 ) Failure to Provide Required 30-Day Consumer Notice Neither Bank of XXXX, XXXX XXXX XXXX XXXXk , nor XXXX XXXX XXXXXXXX XXXX provided me with the legally required 30-day notice before furnishing negative information to the credit bureaus.

Since no legally required notice was given, these accounts must be deleted immediately.

FCRA 623 ( a ) ( 5 ) Failure to Report the Correct First Date of Delinquency ( FOD ) The furnishers have failed to provide verifiable proof of the First Date of Delinquency, leading to possible illegal re-aging of these accounts.

If you can not verify the correct delinquency date, these accounts must be permanently deleted under federal law.

FCRA 605 ( a ) ( 1 ) Unverifiable Bankruptcy Reporting Must Be Removed PACER does not furnish bankruptcy data to credit bureaus, meaning Experian and TransUnion have no legal basis to report my bankruptcy.

If you can not independently verify the accuracy of the reported bankruptcy, it must be deleted immediately.

FCRA 604 ( a ) Lack of Permissible Purpose for Reporting Bankruptcy Data Reporting unverifiable bankruptcy data constitutes an unauthorized use of my consumer file, in direct violation of FCRA 604 ( a ).

FCRA 611 ( a ) Failure to Conduct a Proper Reinvestigation Experian and TransUnion have ignored my disputes and lost my FTC identity theft report, making it impossible to conduct a legally compliant reinvestigation.

If you can not provide evidence of a thorough, independent reinvestigation, these accounts must be deleted immediately.

3. Financial Penalties You Are Accruing {$1000.00} Per Month, Per Violation For every month these accounts remain unlawfully reported, XXXX and TransUnion are accruing severe financial penalties under the FCRA : XXXX XXXXXXXX XXXX charge-offs ( two accounts ) have been unlawfully reported for 84 months, totaling {$160000.00} in statutory damages. 
XXXX XXXX XXXX XXXX XXXX  has been unlawfully reported for 84 months, totaling {$84000.00} in statutory damages. 
XXXX XXXX XXXX XXXX accounts ( two accounts ) have been unlawfully reported for 48 months, totaling {$96000.00} in statutory damages. 
The unverifiable XXXX XXXX Bankruptcy has been unlawfully reported for 84 months, totaling {$84000.00} in statutory damages. 
Total Potential Liability Against TransUnion : $ XXXX This does not include punitive damages, actual damages, legal fees, and court costs, which could be significantly higher in a federal lawsuit. 
4. Immediate Action Required Final Opportunity to Cure To resolve this matter, Experian and TransUnion must take the following actions immediately : 1. Permanently delete the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and Chapter XXXX Bankruptcy accounts from my credit report. 
2. Provide a written statement confirming these deletions within 15 days.

3. Issue a formal assurance that these accounts will not be unlawfully reinserted unless fully compliant with FCRA 1681i ( a ) ( 5 ) ( B ).

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