Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
On XX/XX/XXXX, I filed CFPB complaints against all three credit bureaus with affidavits, IRS 1099-Cs , and certified disputes. Those cases are on record as : Experian CFPB Case # XXXX TransUnion CFPB Case # XXXX Equifax CFPB Case # XXXX In addition, Equifax permanently deleted XXXX XXXX ( {$3600.00} ) XXXX XXXX # XXXX, proving the account was unverifiable. If Equifax determined XXXX was unverifiable, then Experian and TransUnion continuing to report and update the same account is unlawful. 

Despite my filings, the following accounts remain with false balances and ongoing monthly updates even after charge-off and multiple sales to collection agencies, with no proof of accounting or ownership : XXXX ( {$2500.00} ) Identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), this account should have been blocked within 4 business days of my affidavit. It remains unverified. 

XXXX XXXX XXXX ( {$1500.00} ) Charged off and sold multiple times, but still being verified without contracts, ownership proof, or chain of title. Continues to update monthly despite no accounting. 

XXXX XXXX XXXX XXXX ( {$32000.00} ) Charged off and sold. Still updating monthly into XXXX as if it remains active. No contracts or ownership records produced. 

XXXX XXXX XXXX XXXX ( {$14000.00} and {$440.00} ) Charged off. Continues to update monthly in XXXX across bureaus, creating the false impression of current delinquency. 

XXXX XXXX ( {$3600.00} ) Sold and later deleted by Equifax as unverifiable. Yet Experian and TransUnion continue to report and update it monthly, despite no accounting or ownership.

Violations of Federal Law FCRA 605B failure to block identity theft tradeline ( XXXX ). 

FCRA 605 ( a ) & 605 ( c ) ( 15 U.S.C. 1681c ) unlawful re-aging ; reporting period runs from the original Date of First Delinquency, not later updates/sales.

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) furnishers must report the accurate DOFD ; re-aging and resetting the clock is prohibited.

FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) furnishing inaccurate information after notice.

FDCPA 807 ( 15 U.S.C. 1692e ) false representation of the legal status of debts after sale. 

Supporting XXXX XXXX XXXXXXXX XXXX TransUnion ( XXXX XXXX XXXX, XXXX XXXX XXXX ) parroting furnishers is not reinvestigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ) unverifiable information must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CRAs are liable for failing to investigate disputes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) failure to block ID theft info is a willful violation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) misleading reporting violates FCRA even if technically accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) materially misleading tradelines violate FCRA. 


On XX/XX/XXXX, I mailed Final Intent to XXXX Notices via certified mail to all three bureaus. Tracking numbers : Equifax XXXX TransUnion XXXX Experian XXXX This is not a new dispute. It is a final notice and evidence for litigation. The bureaus have had since XX/XX/XXXX to correct these violations. Continuing to update charged-off and sold accounts monthly is illegal re-aging, false reporting, and willful harm.

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