Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TransUnion said the spoke with XXXX XXXX management on XX/XX/XXXX and said they verified the debt on XX/XX/XXXX I spoke with their compliance manager and he said there team was still viewing documents I sent in and then on XX/XX/XXXX I followed up with XXXX XXXX XXXX or XXXX XXXX XXXX also the same company compliance manager and he said that they are going over complaint submitted to the CFPB so how could TransUnion verify the debt as verified if they were still verify documents when I spoke to them 8 days after they completed their investigation so I believe this was done and stayed on my report without a fair and accurate investigation which is a XXXX violation. TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Correction of Credit Report Violations Dear Compliance Department I am writing to formally address serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs the permissible purposes for which consumer reporting agencies may furnish consumer reports.

It has come to my attention that my credit report has been adversely affected by information that was reported without my knowledge or consent. I have not provided written instructions for any entity to access my consumer report, nor have I received the required disclosures regarding the sharing of my information. Therefore, I assert that any such reporting is unauthorized and in violation of the FCRA. 

Furthermore, I am a victim of identity theft and was involved in the Equifax data breach. The only legitimate credit accounts I maintain are with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Hence, any collections, inquiries, or accounts listed on my credit report from other entities are fraudulent. It is unacceptable that these inaccuracies continue to appear on my report, especially since my disputes have been met with unverifiable confirmations, which I contend to be false. 

The following points outline my grievances and demands for resolution : 1. **Unauthorized Reporting** : No entity has my consent to furnish information regarding my credit, including late payments or any collections, and addresses 2. **Fraudulent Information** : I require the immediate removal of all fraudulent accounts, inquiries, and any erroneous names or addresses from my credit report.

3. **Violation of Disclosure Requirements** : I have not received the three required disclosures before my information was shared, which constitutes a breach of the FCRA.

4. **Compensation for Violations** : I am seeking {$1000.00} for each violation of the FCRA, as well as reimbursement for any legal fees incurred due to this matter.

I sent a copy of all fraudulent inaccurate things on my credit and nothing was corrected. It not fair or 100 accurate.

I demand that you rectify these issues within five ( 5 ) days of receipt of this letter. I have kept meticulous records of all correspondence, including certified delivery and notarized documentation, so please do not claim that this letter was not received. 

I am hereby invoking my right to cease and desist all communication regarding this matter unless it adheres strictly to legal protocols as outlined in the FCRA. Failure to comply will leave me with no option but to pursue further legal action to protect my rights. 

Thank you for your immediate attention to this pressing 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