Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
b'I am formally requesting a full file disclosure under the Fair Credit Reporting Act, 15 U.S.C.  1681g(a), regarding all information Experian maintains on me for the Transworld Systems Inc. (TSI) account/tradeline, listed as XXXX XXXX XXXX beginning with account number XXXX. I previously made the request under CFPB XXXX  on or about XXXX XXXX XXXX However, Experian chose to instead treat it a) as a dispute of the account/tradeline; b) declined to provide the requested information on or about XXXX XXXX XXXX ( nearly XXXX months later) alleging I may have been a victm of fraud. Make no mistake that this account did exist in the files and reports Experian maintains and disseminates pertaining to me, for example see Experian report nos. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlthough Experian removed this account from my credit report approximately XXXX  months before XXXX acknowledged my final demand and issued its final response, I am attaching XXXX final response confirming they notified the credit reporting agencies, including Experian, to remove the account. This request seeks all historical and current records Experian retains internally, including those no longer displayed to third parties, consistent with the definition of file in 15 U.S.C.  1681a(g). I am specifically requesting: All information in my consumer file, including: All account-level compliance codes Metro 2 fields furnished by data furnishers Any XXXX XXXX XXXX, or related condition codes associated with disputes filed directly with furnishers or through Experian A copy of all internal notes, annotations, and reinvestigation results, including: Any and all Automated Consumer Dispute Verification (ACDV) forms or responses sent or received via E-OSCAR in connection with disputes I have filed The date any dispute indicator was applied or removed Any reinsertion or modification of tradelines after dispute resolution All versions of the XXXX tradeline as it appeared in your system before, during, and after disputes: 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  Including any designator or omission of a compliance condition code such as XXXX during XXXX reinvestigation period. This request is made pursuant to  1681g(a)(1), (3), and (5). I expect all information that was in the file at the time of the request, as that term is defined in  1681a(g) to mean all information recorded and retained by Experian, whether actively displayed, internally maintained, or archived, including historical versions no longer provided to third parties. If any Metro 2 data, compliance fields, or historical versions are withheld, please state the legal basis for their exclusion. For avoidance of doubt, file means all information on the consumer recorded and retained by Experian, regardless of whether it is maintained in the main database or auxiliary systems, and regardless of whether it is normally provided to consumers in standard disclosures.'

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