Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
This letter serves as a formal and final complaint regarding multiple credit reporting violations by Experian, Equifax, and TransUnion. These agencies have willfully and knowingly failed to correct or delete clearly inaccurate information, despite me providing ample evidence, federal documentation, and multiple dispute letters. 

I am demanding the immediate deletion of the following accounts from all three credit bureaus based on the overwhelming, verified evidence already submitted. 

Accounts That Must Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple documented disputes clearly identifying late payment inaccuracies, reporting errors, and false data Full evidence packets sent showing proof of inaccuracy and lack of validation No evidence or documents were ever sent back from the bureaus to confirm legitimate verification Despite all this, these accounts remain on my credit reportin direct violation of the following laws : Violations Committed : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) Failure to correct or delete disputed inaccurate items FCRA 611 ( a ) ( 6 ) Failure to provide method of verification FCRA 623 ( b ) Continued furnishing of inaccurate information after notification FCRA 616, 617 Willful and negligent noncompliance Additionally, XXXX XXXX and XXXX XXXX may no longer own or This letter is a formal demand for the immediate deletion of multiple inaccurate and improperly verified accounts from all three major credit bureausExperian, Equifax, and TransUnion . Despite repeated disputes, legal documentation, and clear proof, these agencies have refused to remove factually inaccurate and unverifiable accounts, causing harm to my credit standing and personal life. 

Let me be clear : I am not asking for another investigation. I am demanding immediate deletions in accordance with federal law, based on clear evidence and the bureaus ' continued noncompliance. 

Inaccurate Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple detailed disputes referencing false late payments and clear factual inaccuracies All documentation proving the accounts were incorrect or unverifiable No supporting documentation or actual verification method ever returned by any bureau The bureaus have been verifying clearly false information and reporting inaccurate late payments even after I submitted direct evidence proving the information was incorrect. This is a clear violation of FCRA and can not be allowed to continue.

Violations Committed : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) Failure to conduct proper reinvestigations and correct inaccurate info FCRA 611 ( a ) ( 6 ) Failure to provide method of verification FCRA 623 ( b ) Willful continuation of inaccurate reporting after notice FCRA 616 and 617 Willful and negligent noncompliance with the FCRA Furthermore, if companies such as XXXX XXXX and XXXX XXXX have securitized these accounts, they may no longer have the legal standing or access to properly verify or report them. This raises concerns about the legality of their continued reporting and whether these debts are even legally collectible. 

CFPB Lawsuits Show a Pattern of Misconduct : The CFPB has previously taken action against these same credit bureaus for failing to properly investigate disputes, misleading consumers, and violating FCRA obligations : CFPB v. Experian ( 2023 ) for deceptive marketing and failure to respond to dispute requirements.

CFPB v. Equifax and TransUnion ( 2017 ) for deceptive practices in selling credit services and failure to investigate disputes properly. 

These agencies have a documented history of disregarding federal law and consumer rights. Their failure to address my disputes is consistent with this pattern of abuse and further justifies immediate deletionnot prolonged delay. 

What I Am Demanding Now : I am demanding that the CFPB enforce the law and direct these bureaus to : Immediately delete all accounts listed above from my credit profile. 

Provide written confirmation that these accounts have been permanently removed. 

Enforce corrective action for the credit bureaus willful FCRA violations and pattern of unlawful behavior. 

These accounts are unjustly lowering my score, causing me financial harm, and standing in the way of my rights as a consumer. I have done everything the law requires and more. Now, I ask the CFPB to hold these credit reporting agencies accountable and ensure these accounts are permanently deleted.

If not resolved quickly, I will pursue legal action independently under FCRA 616 and 617.

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