Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I have repeatedly submitted formal disputes requesting investigations and removal of inaccurate, unverifiable, outdated, and misleading information from my credit reports. Yet, these credit reporting agencies have willfully failed to investigate, failed to respond within the 30-day FCRA-mandated timeframe, and failed to correct or delete inaccurate information, as required by FCRA 611 ( 15 U.S. Code 1681i ) .

I am now requesting CFPB intervention for the following violations and unresolved items : 1. Inaccurate Personal Information Failure to Correct The following addresses are factually incorrect, not connected to me, and have been disputed multiple times. The credit bureaus are required by FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) to maintain maximum possible accuracy, which they have failed to do. 

Still Reporting : XXXX XXXX XXXX XXXXXXXX, SC XXXX ( Experian ) XXXX XXXX XXXX, XXXX, SC XXXX ( Experian ) XXXX XXXX XXXX, XXXX, SC XXXX ( Experian ) Violation : FCRA 607 ( b ) ; FCRA 611 failure to reinvestigate and delete incorrect information. 

XXXX. Unverified Accounts No Certification of Investigation The following accounts are listed as charge-offs or late payments across multiple bureaus. I have sent certified disputes, yet they remain " untouched '' without any reinvestigation or resolution. This is a clear violation of FCRA 611 ( 15 U.S. Code 1681i ). 

Disputed and Still Reporting : Creditor Status TransUnion Equifax Experian XXXX XXXX Charge-Off Yes Yes XXXX XXXX XXXX XXXX Late Payment Yes Yes XXXX XXXX XXXX Charge-Off Yes Yes XXXX XXXX XXXX  Charge-Off Yes Yes XXXX XXXX  Charge-Off Yes Yes XXXX Charge-Off Yes Yes XXXX XXXX XXXX Late Payment Yes Yes XXXX XXXX XXXX ( XXXX ) Charge-Off Yes Yes XXXX Charge-Off Yes XXXX Charge-Off Yes XXXX Charge-Off Yes XXXX XXXX XXXX Charge-Off Yes XXXX Charge-Off Yes Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 623 ( b ) : Furnisher failure to respond to bureaus request for validation FCRA 607 ( b ) : Failure to maintain accuracy 3. Unauthorized or Unverified Hard Inquiries FCRA 604 These hard inquiries are damaging my credit score and were not authorized by me. Under FCRA 604 ( a ) ( 3 ), a credit bureau must have permissible purpose to place an inquiry. 

Hard Inquiries Reported Without Permissible Purpose : XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( TransUnion ) XXXX  XX/XX/year> ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Experian ) Violation : FCRA 604 ( a ) ( 3 ) ; no permissible purpose was established or documented. 

XXXX. Collections Not Properly Validated or Reported These collection accounts are still appearing on all three credit reports, including duplicated listings of the same debt, without validation or notice of dispute. 

Collection Agencies Still Reporting : XXXX XXXX XXXX ( XXXX ) All 3 Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate All 3 Bureaus Violations : FCRA 809 ( 15 U.S. Code 1692g ( b ) ) : Failure to validate debt FCRA 611 ( a ) : Failure to update as disputed FCRA 607 ( b ) : Reporting duplicates violates requirement to report with accuracy Request for CFPB Action I am formally requesting : Immediate investigation into TransUnion, Equifax, and Experian for failing to fulfill their duties under FCRA. 

Deletion of the inaccurate addresses, unverifiable accounts, unauthorized hard inquiries, and duplicate collections. 

Enforcement action or civil penalties where willful noncompliance is established ( per FCRA 616 ).

A full written response outlining findings and actions taken.

I am attaching copies of my disputes, credit reports, proof of identity, and mail receipts to demonstrate that these disputes were timely and lawfully submitted.

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