Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
Subject : Formal CFPB Complaint : TransUnion 's Violations of FCRA 611 & Metro 2 Standards Regarding Persistent Credit Report Inaccuracies Dear Consumer Financial Protection Bureau ( CFPB ), I file this complaint against TransUnion for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Below is a summary of three written disputes sent to TransUnion since XX/XX/XXXX, which remain unresolved : XXXX. Letter XXXX ( Sent ~XXXX XXXX, XXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards.

* Violations Cited : Highlighted TransUnion 's failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the 2020 CRRG.

* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.

2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. 
* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements.

* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). 

XXXX. Letter XXXX ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching " XXXX XXXX XXXX and all addresses not matching " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX '' to comply with FCRA/Metro 2 accuracy requirements.

* Objection to Template Responses : Explicitly protested TransUnion 's illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations.

* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. 
* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. 

Persistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611.

2. Provide verifiable evidence supporting disputed items.

3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ).

4. Ensure data formatting complies with Metro 2 standards. 
XXXX. Refrain from illegal template responses to specific disputes. 
XXXX. Resolve disputes within the legally mandated timeframe. 

This pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel TransUnion to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). 
* Provide a fully corrected, compliant credit report. 
* Furnish all documentary evidence used in their investigations. 
* Cease the use of illegal template responses. 

My Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  SSN : XXXXXXXX XXXX DOB : XX/XX/XXXX XXXX TransUnion Dispute Address Used : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX you for your prompt attention to this serious matter. 

Sincerely, XXXX 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