Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
LEGAL GROUNDS FOR DELETION Subject : Formal Legal Complaint Unlawful Reporting of Identity Theft Accounts FCRA Violations ( Dispute # XXXX  ) Furthermore, the continued and unlawful reporting of these fraudulent accounts has caused ongoing and severe harm to my daily life.

I have been denied access to essential housing opportunities, financing for a reliable vehicle, and access to basic credit for necessities such as groceries and medical needs.

The mental, emotional, and financial stress this has caused is substantial, and this harm continues to escalate each day these accounts remain uncorrected.

Subject : Formal Legal Complaint Unlawful Reporting of Identity Theft Accounts FCRA Violations ( Dispute # XXXX  ) Accounts Involved : - XXXX XXXX XXXX XXXX XXXX ( duplicate entry ) - XXXX XXXX XXXX XXXX # : XXXX FTC Identity Theft Report # : XXXX  ( Signed by Law Enforcement ) Dispute Filed : XX/XX/XXXX Resolved by TransUnion : XX/XX/XXXX ( without proper legal compliance ) Dear CFPB and TransUnion Legal Department , This is a formal complaint and legal demand for the immediate deletion of the above- referenced accounts from my TransUnion credit report . These accounts were already included in a law enforcementsigned FTC identity theft report ( # XXXX  ). 
TransUnions refusal to block these items violates several sections of the Fair Credit Reporting Act ( FCRA ).

Violations & ; Discrepancies 1. Failure to Block Fraudulent Accounts ( FCRA 605B ) Per FCRA 605B, once a valid FTC identity theft report is submitted, the credit bureau must block the disputed information within 4 business days unless it determines the report is fraudulent which I have received no notice of.

As of today, over 90 days have passed, and TransUnion continues to report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of which are identified as fraudulent in my FTC report .

2. Failure to Provide Method of Verification ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ) I have not received any method of verification from TransUnion, despite requesting it in writing. This includes : - The name, address, and phone of the furnisher - The name and ID of the individual who verified the account - Documents relied on to continue reporting the accounts 3. Duplicate Reporting ( XXXX ) XXXX and XXXX XXXX XXXX are the same account reported twice, inflating derogatory impact and violating FCRA 1681s-2 ( a ), which prohibits knowingly reporting inaccurate or duplicate information.

4. Misleading and Incomplete Reporting ( FCRA 1681e ( b ) ) - Charge-off status shows an outstanding balance of {$110.00} for XXXX, even though the last payment was made in XX/XX/XXXX and it was written off as a and item.

- Monthly payment = No Info - Payment history = 88 % unknown - Only 12 % on-time payments is misleading due to missing data.

This creates an unfair and inaccurate credit profile in violation of FCRA 1681e ( b ).

DEMAND FOR RELIEF I am demanding the following actions be taken immediately : 1. Permanent deletion of the following accounts from my TransUnion credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2 . Confirmation that these accounts will not be reinserted under any other name or variation 3. No stall letters 4. Resolved in 4 days Attachments : - FTC Identity Theft Report ( # XXXX  ) - Screenshot of XXXX XXXX Dispute Timeline -ID -Social -Affidavit If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission , State Attorney General, and pursue civil litigation as allowed under the FCRA.

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