Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of Unverified and Inaccurate Information - FCRA Notice To Whom It May Concern, I am formally disputing the accuracy and legitimacy of several derogatory accounts currently appearing on my credit file with TransUnion. This communication is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates that all reported information must be accurate and verifiable. 
DISPUTED ACCOUNTS : 1. XXXX XXXX XXXX XXXX - Acct. # : XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX - Acct. # : XXXX 3. XXXX XXXX XXXX - Acct. # : XXXX 4. XXXX XXXX - Acct. # : XXXX 5. XXXX XXXX XXXX XXXX XXXX - Acct. # : XXXX LEGAL GROUNDS FOR THIS DISPUTE : Per FCRA 611 ( 15 U.S. Code 1681i ), any item of information that is disputed must be investigated within 30 days. If the information can not be verified with legally sufficient evidence, it must be removed. 
I am putting your agency on notice that I challenge the accuracy and legitimacy of the above accounts for the following reasons : - These items are unverified and possibly incomplete or outdated- You have not provided any proof of lawful reporting authority - You are legally obligated to confirm the accuracy and origin of the data If your " verification '' process consists of blindly echoing information from the furnisher without documentary backup or third-party investigation, that is not sufficient under federal law and violates FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Furthermore, if these accounts were added or updated without proper notice, this may also violate FCRA 615 ( a ).

DEMAND FOR DELETION : I am demanding that each of these accounts be immediately deleted from my credit file unless you can produce verifiable evidence proving their accuracy and legal authority to be reported. A mere statement from the furnisher does not qualify as verification. 
Failure to properly investigate and correct these records will result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) - Possible action taken through the FTC and my State Attorney General - Lawsuit under FCRA 616 and 617 for damages of up to {$1000.00} per violation, plus legal fees I expect confirmation of deletion or results of a lawful reinvestigation within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : Equifax XXXX XXXXXXXX XXXX XXXX, XXXX XXXX RE : Formal Dispute of Unverified and Inaccurate Information - FCRA Notice To Whom It May Concern, I am formally disputing the accuracy and legitimacy of several derogatory accounts currently appearing on my credit file with Equifax. This communication is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates that all reported information must be accurate and verifiable. 
DISPUTED ACCOUNTS : 1. XXXX XXXX XXXX XXXX - Acct. # : XXXX 2. XXXX XXXX XXXXXXXX XXXX - Acct. # : XXXX 3. XXXX XXXX XXXX - Acct. # : XXXX 4. XXXX XXXX - Acct. # : XXXX 5. XXXXXXXX XXXX XXXX XXXX XXXX - Acct. # : XXXX LEGAL GROUNDS FOR THIS DISPUTE : Per FCRA 611 ( 15 U.S. Code 1681i ), any item of information that is disputed must be investigated within 30 days. If the information can not be verified with legally sufficient evidence, it must be removed. 
I am putting your agency on notice that I challenge the accuracy and legitimacy of the above accounts for the following reasons : - These items are unverified and possibly incomplete or outdated- You have not provided any proof of lawful reporting authority - You are legally obligated to confirm the accuracy and origin of the data If your " verification '' process consists of blindly echoing information from the furnisher without documentary backup or third-party investigation, that is not sufficient under federal law and violates FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Furthermore, if these accounts were added or updated without proper notice, this may also violate FCRA 615 ( a ). 
DEMAND FOR DELETION : I am demanding that each of these accounts be immediately deleted from my credit file unless you can produce verifiable evidence proving their accuracy and legal authority to be reported. A mere statement from the furnisher does not qualify as verification. 
Failure to properly investigate and correct these records will result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) - Possible action taken through the FTC and my State Attorney General - Lawsuit under FCRA 616 and 617 for damages of up to {$1000.00} per violation, plus legal fees I expect confirmation of deletion or results of a lawful reinvestigation within 30 days as required by law. 
Sincerely, XXXX XXXX ] XXXX XXXX XXXX XXXX XX/XX/XXXX TO : Experian XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX RE : Formal Dispute of Unverified and Inaccurate Information - FCRA Notice To Whom It May Concern, I am formally disputing the accuracy and legitimacy of several derogatory accounts currently appearing on my credit file with Experian. This communication is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates that all reported information must be accurate and verifiable. 
DISPUTED ACCOUNTS : 1. XXXX XXXX XXXX XXXX - Acct. # : XXXX 2. XXXX XXXX XXXX XXXX - Acct. # : XXXX 3. XXXX XXXX XXXX - Acct. # : XXXX 4. XXXX XXXX - Acct. # : XXXX 5. XXXX XXXX XXXX XXXX XXXX - Acct. # : XXXX LEGAL GROUNDS FOR THIS DISPUTE : Per FCRA 611 ( 15 U.S. Code 1681i ), any item of information that is disputed must be investigated within 30 days. If the information can not be verified with legally sufficient evidence, it must be removed. 
I am putting your agency on notice that I challenge the accuracy and legitimacy of the above accounts for the following reasons : - These items are unverified and possibly incomplete or outdated- You have not provided any proof of lawful reporting authority - You are legally obligated to confirm the accuracy and origin of the data If your " verification '' process consists of blindly echoing information from the furnisher without documentary backup or third-party investigation, that is not sufficient under federal law and violates FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Furthermore, if these accounts were added or updated without proper notice, this may also violate FCRA 615 ( a ). 
DEMAND FOR DELETION : I am demanding that each of these accounts be immediately deleted from my credit file unless you can produce verifiable evidence proving their accuracy and legal authority to be reported. A mere statement from the furnisher does not qualify as verification. 
Failure to properly investigate and correct these records will result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) - Possible action taken through the FTC and my State Attorney General - Lawsuit under FCRA 616 and 617 for damages of up to {$1000.00} per violation, plus legal fees I expect confirmation of deletion or results of a lawful reinvestigation within 30 days as required by law. 
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