Consumer complaint received 2025-08-12 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: MO

Complaint narrative:
CFPB Complaint Description What Happened : I am experiencing urgent employment-related credit reporting violations by multiple credit bureaus and debt collection agencies that are jeopardizing my employment opportunity. I have an employment background check scheduled within 24 hours, and unverified collection accounts remain on my credit reports despite clear violations of federal law. 
Timeline of Events : XX/XX/XXXX : I sent formal dispute letters via certified mail to all three credit reporting agencies ( TransUnion, Experian, and XXXX  ) disputing two collection accounts : Collection Agency # 1 : {$1100.00} balance, reported since XX/XX/XXXX Collection Agency # 2 : {$620.00} balance, reported since XX/XX/XXXX Specific Documentation Requested Under FDCPA Section 1692g : Complete chain of custody for alleged debts Original signed contracts bearing my signature Detailed itemization of amounts owed including all fees and payments Name and contact information of original creditors Proof of licensing to collect debts in my state Investigation Period ( XX/XX/XXXX - XX/XX/XXXX ) : Neither collection agency provided ANY of the five requested validation documents. XXXX documentation was provided to me as required under the Fair Debt Collection Practices Act. 
XX/XX/XXXX : Called credit bureaus due to employment emergency : XXXX  : Successfully deleted both collection accounts, recognizing FDCPA violations by collectors TransUnion : Escalated to Special Units Manager ( Case # XXXX ), still pending resolution Experian : Refused to delete accounts despite identical FDCPA violations Legal Violations : FDCPA Violations by Collection Agencies : Failed to provide debt validation within 30 days as required under 15 USC 1692g Continued reporting unvalidated debts to credit bureaus FCRA Violations by Credit Bureaus : Failed to delete unverifiable information as required under 15 USC 1681i ( a ) ( 5 ) ( A ) Continuing to report accounts that can not be verified with supporting documentation Actions Taken by Companies : Collection Agencies : Provided XXXX validation documents despite federal law requirements XXXX  : Correctly deleted both accounts, recognizing FDCPA violations TransUnion : Escalated to special unit but has not resolved despite clear legal violations Experian : Refused to delete unverified accounts, creating inconsistent reporting across bureaus Financial Impact : These unverified collection accounts are : Damaging my credit score ( currently XXXX XXXX XXXX ) Jeopardizing my employment opportunity Causing financial harm through inaccurate credit reporting Preventing me from obtaining fair lending terms I have recently made significant efforts to improve my credit, including a {$1500.00} payment toward existing credit card debt, demonstrating my commitment to financial responsibility. 
Requested Resolution : Immediate deletion of both unverified collection accounts from TransUnion and Experian credit reports Written confirmation of deletions from all credit reporting agencies Investigation into FDCPA violations by both collection agencies XXXX XXXX for credit bureau staff on FCRA requirements for unverifiable accounts Expedited processing due to employment background check timing Urgency : This complaint involves an employment emergency. I have a job opportunity that requires a credit check within 24 hours. The inconsistent reporting across credit bureaus ( XXXX  correctly deleted, others have not ) demonstrates clear violations of federal consumer protection laws that are directly impacting my livelihood and career prospects. 
The fact that XXXX  immediately recognized these FDCPA violations and deleted both accounts proves that the collection agencies failed to meet their legal obligations, yet TransUnion and Experian continue to report unverified information in violation of the FCRA. 
I am requesting immediate intervention to ensure compliance with federal consumer protection laws and to prevent further damage to my employment opportunities and financial standing.

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