Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Failure to Respond to Complaint Request for Immediate Deletion of Inaccurate XXXX XXXX Account from TransUnion and Experian To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX Previous CFPB Complaint Filed : XX/XX/XXXX TransUnion Case Number : XXXX Experian Case Number : XXXX Dear Consumer, Financial Protection Bureau, I am writing to formally escalate my unresolved complaint submitted on XX/XX/XXXX, regarding the inaccurate reporting of a XXXX XXXX tradeline on my credit reports . To date, TransUnion and Experian have failed to appropriately respond to my dispute or correct the inaccuracies within the required timeframes, in direct violation of the Fair Credit Reporting Act ( FCRA ) and CFPB procedural guidelines. 

Failure to Respond and FCRA Violations According to the CFPBs published dispute resolution guidelines, the credit bureaus and furnishers of information are required to respond within 60 days to a complaint filed through the Bureau. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( 1 ) of the FCRA, they are required to investigate and correct or delete any inaccurate or unverifiable information within 30 days of a direct dispute. 

It has now been over one year since my original complaint, and TransUnion and Experian have failed to comply. Their inaction is causing significant and ongoing damage to my credit profile, impairing my ability to secure financing, employment, and housing. This is no longer a disputethis is willful noncompliance with federal law. 

Summary of Original Complaint and Legal Violations ( As Previously Submitted ) Inconsistent Payment Status Reporting : XXXX XXXX " Charge-Off '' put show balance due TransUnion : " Charged Off as Bad Debt '' balance due Experian : " Unpaid Balance Reported as a Loss '' Violates 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and Metro 2 standards for consistency. 

Delinquency Reporting Discrepancies XXXX XXXX  : " 90 Days Past Due '' changed off with a " balance due '' TransUnion : No 90-day delinquency Experian : " Charge-Off/Other Derogatory '' while payment history shows " OK '' and " PAID OFF '' Violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). 

Manipulation of Last Updated Dates XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XX/XX/XXXX Potential re-aging, violating XXXX5 U.S.C. 1681c ( a ) ( 5 ). 

Improper Balance Reporting After Charge-Off : Still reports a $ XXXX balance without a corresponding 1099-C Misrepresents debt status and XXXX violate IRS requirements and the FCRA XXXX 

Payment History Conflicts Across Bureaus : Experian shows late payments while showing " OK '' in detailed timeline TransUnion reflects unpaid balance due but marks as a charge-off Violates XXXX5 U.S.C. 1681e ( b ).

Request for Enforcement and Immediate Relief Due to the clear pattern of FCRA violations and failure to respond within legal timeframes, I respectfully demand that the CFPB immediately : Initiate enforcement action against TransUnion and Experian for willful noncompliance with the FCRA and CFPB complaint resolution process. 

XXXX the immediate deletion of the XXXX XXXX tradeline from both TransUnion and Experian credit reports. 

Confirm in writing that this account has been removed and will no longer harm my credit profile. 

Ensure that both bureaus provide all documentation they used to " verify '' the account, if any. 

Laws and Regulations Violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report complete and accurate information.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Furnishers must investigate disputed data and correct or delete inaccurate information.

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy. 

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits unlawful re-aging of accounts.

CFPB Complaint Guidelines : Require resolution and response within 60 days.

IRS Form 1099-C : Required if debt has been canceled ; failure to issue indicates misleading balance reporting. 

This matter has gone unresolved far beyond the legal time limits set by both the FCRA and the CFPBs own rules. I am requesting immediate deletion of this account as a lawful remedy for the harm caused by TransUnion and Experians negligence and noncompliance. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA 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