Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this follow-up complaint regarding TransUnions continued failure to comply with their obligations under the Fair Credit Reporting Act ( XXXX  ). Despite submitting XXXX written disputes, XXXX formal phone disputes, and a previous CFPB complaint, TransUnion has failed to lawfully investigate and delete the unverifiable account from XXXX XXXX. 



Key violations include : FCRA XXXX Failure to complete a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) & ( XXXX ) Failure to provide full method of verification or documentation bearing my signature FCRA XXXX Reporting outdated or obsolete information FCRA XXXX Furnisher failed to ensure complete and accurate reporting FCRA XXXX & XXXX Willful and negligent noncompliance XXXX USC XXXX ( b ) Failure to maintain maximum possible accuracy XXXX USC XXXX ( a ) ( XXXX ) Failure to provide results of reinvestigation within required time FDCPA XXXX No debt validation provided from the furnisher Additionally, TransUnion updated my personal informationadding new phone numbers to the disputed accountwithout my knowledge or consent. This is a serious violation of data handling practices and further solidifies the fact that the account is unverifiable. 



This prolonged mishandling of my dispute has caused me serious emotional distress and health issues. I suffer from XXXX ( XXXX XXXX XXXX ), a condition triggered by stress, which has worsened as a direct result of XXXX negligence and unlawful practices. 



I have exhausted all peaceful remedies. If this matter is not fully resolved and the account deleted, I will pursue legal action under the FCRA XXXX and XXXX for damages. 



Final Notice : I am demanding full deletion of this account within XXXX  days. I am no longer requestingI am demandinga lawful resolution. 



This complaint is regarding XXXX  continued failure to handle my disputes in accordance with the Fair Credit Reporting Act ( XXXX  ). I submitted XXXX formal written disputes, XXXX phone disputes, and a CFPB complaint regarding the unverifiable XXXX XXXX  account. 



Experian has not provided any verification documents with my signature nor has the account been proven to be accurate. Instead, Experian continues to delay dispute resolution, repeatedly pushing back the completion datenow stating it may take over XXXX  days. These stalling tactics violate multiple FCRA provisions. 



Key violations include : FCRA XXXX Failure to complete a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) & ( XXXX ) Failure to provide proper method of verification FCRA XXXX Time-limit reporting violation FCRA XXXX Furnisher accuracy obligations FCRA XXXX & XXXX Willful and negligent noncompliance XXXX USC XXXX XXXX b ) Failure to maintain maximum possible accuracy XXXX USC XXXX XXXX a ) ( XXXX ) Duty to provide results of reinvestigation These repeated delays and lack of transparency have caused me significant emotional distress, particularly as someone diagnosed with XXXX  ( XXXX XXXX XXXX ). This is a serious health condition triggered by stressand XXXX  continued noncompliance has contributed directly to that stress. 



I am demanding that this account be fully deleted within XXXX  days or I will escalate this to legal action under FCRA XXXX and XXXX. 



XXXX Notice : This is not a request. It is a lawful demand for resolution.

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