Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
CONSUMER COMPLAINT LETTER From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX Subject : Formal Complaint Violations of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681s-2, 1681n, 1681o, and 15 U.S.C. 1611 Dear CFPB Investigator, I, XXXX XXXX XXXX, am submitting this formal consumer complaint against the following parties : Experian Information Solutions , Inc .

Equifax Information Services, LLC TransUnion, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These entities have collectively violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) through the false reporting, improper furnishing, and failure to properly reinvestigate disputed information within my consumer credit files. 
FACTUAL BASIS OF COMPLAINT False and Unverifiable Debt Reporting : XXXX XXXX XXXX and/or related furnishers have reported accounts and balances that are inaccurate, incomplete, and unverifiable, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. 
Improper Furnishing of XXXX XXXX Information : XXXX XXXX XXXX XXXXXXXX XXXX has furnished or reported XXXX  related data in a manner inconsistent with federal law, without verifying accuracy and without my authorization, violating 15 U.S.C. 1681b, 1681s-2 ( a ) ( 1 ) ( B ), and 42 U.S.C. 666 ( a ) ( 7 ). 
Failure to Conduct Lawful Reinvestigation : After submitting disputes and providing evidence, Experian, Equifax, and TransUnion failed to conduct a lawful and reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). They continued to verify false data without independent verification, constituting noncompliance.

LEGAL BASIS FOR RELIEF 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a consumer reporting agency to conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681s-2 ( b ) Duties of furnishers after receiving notice of dispute.

15 U.S.C. 1681n Civil liability for willful noncompliance.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

15 U.S.C. 1611 Criminal liability for willfully and knowingly giving false or misleading information under the Truth in Lending Act. 
These actions constitute unlawful false reporting, negligent and willful noncompliance, and criminal misrepresentation under federal law. 
RELIEF REQUESTED I respectfully request that the CFPB : Initiate a formal investigation into the conduct of the above-listed parties. 
Compel the immediate deletion of all unverifiable, inaccurate, or unauthorized information. 
Enforce penalties or sanctions against any entity found in violation of federal consumer protection laws. 
Provide written confirmation of all findings and corrections. 
AFFIDAVIT OF TRUTH AND CORRECTION OF RECORDS I, XXXX XXXX XXXX, hereby affirm under penalty of perjury that the facts stated herein are true, correct, and complete to the best of my knowledge and belief. 
Executed on this XXXX XXXX  XXXX XXXX XXXX 
Signature : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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