Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Urgent Complaint Against Experian for FCRA Violations, Inaccurate Reporting, Unauthorized Reinsertions, and Demand for Immediate Relief To Whom It May Concern, I am submitting this formal and time-sensitive complaint against Experian, a consumer reporting agency that has engaged in willful, repeated, and damaging violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Their continued reporting of false derogatory information, negligent data reinsertion, and lack of proper dispute handling have caused serious and measurable damage to my creditworthiness and financial wellbeing. 


XXXX. Inaccurate Late Payment Reporting XXXX XXXX. 

Experian has reported inaccurate late payments from XXXX XXXX, despite the fact that no late payment occurred on my end. The issue stemmed from XXXX internal system and banking errors, where they failed to properly charge my payment method. This was not a result of any negligence on my part, and I should not be penalized for merchant-side system failures. 



XXXX. Reinsertions of Previously Deleted Derogatory Accounts Experian has unlawfully reinserted the following accounts and derogatory items that were already disputed and deleted in my favor : XXXX both the collection account and the late payments had been removed and are now showing again without any notice. 
XXXX XXXX inaccurate delinquency returned. 
XXXX XXXX reappearing with incorrect data. 
XXXX XXXX removed collection/late payments wrongfully reinserted. 

This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which clearly requires that deleted accounts can not be reinserted without certification of accuracy and written notice to the consumer within 5 business days. I received no such notice, making this a clear FCRA violation. 



XXXX. Federal Law Violations Experians behavior constitutes a direct violation of multiple provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum accuracy 15 U.S.C. 1681i ( a ) : Failing to properly reinvestigate my disputes 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinsertions without proper notice or certification 15 U.S.C. 1666b : Reporting late payments that were not, in fact, late due to third-party processing errors 15 U.S.C. 1681n and 1681o : Willful and negligent noncomplianceentitling me to statutory, actual, and punitive damages, and reimbursement of legal fees XXXX. Damages and Demand for Immediate Action Experians misconduct has resulted in : A major drop in my credit score Denied access to financial products, housing, and credit Mental distress, time wasted disputing recurring errors, and financial harm I am demanding the following actions be completed within XXXX ( XXXX ) business days of receipt of this complaint : XXXX. Permanent deletion of all inaccurate and reinserted negative items from XXXX, XXXX ( collection and late payments ), XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX. Immediate correction of my credit score to reflect accurate, lawfully maintained data. 
XXXX. Compensation for damages, including lost opportunities and emotional distress caused by these unlawful actions. 
XXXX. Written confirmation of all corrective actions taken, including proof of compliance with federal law. 

If these actions are not taken within XXXX business days, I will escalate this matter further through formal legal channels, including the Federal Trade Commission, State Attorney General, and potential civil litigation under FCRA statutes.

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