Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Addendum Case Summary CFPB Complaint ID XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
Supporting Agencies : Texas Attorney General, CFPB, FTC Introduction : This addendum is submitted in direct reference to CFPB Case ID XXXX, acknowledging the companys stall response dated XX/XX/year>. Despite multiple certified disputes and documented identity theft evidence, Experian continues to misreport personal information, tradelines, and inquiries in violation of federal law. The attached bundles reinforce prior submissions with OAG reports, certified mail receipts, and annotated credit report evidence. 

Key Violations Documented : FCRA 602, 607 ( b ), 609, 611, 623 Failure to maintain accuracy, failure to block identity theft accounts, failure to respond within 30 days, and continued reporting of unverifiable information.

FDCPA 809 ( b ), 805 ( c ) Debt collection items verified without validation ; continued collection reporting after cease and desist. 
Identity Theft Enforcement Ignoring FBCS breach notice and failing to protect consumer data. 
Retaliation Surge in new hard inquiries after CFPB filings, suggesting unlawful retaliation and credit suppression. 

Identity Information Violations Experian Information Solutions , Inc . 
Multiple False Names Experian continues to report numerous variations of my name ( e.g., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, I XXXX XXXX ) despite my certified dispute and fraud packet mailed to all CRAs on XX/XX/year>. This constitutes inaccurate personal information in violation of FCRA 607 ( b ) and 609 ( a ) ( 1 ).

Unauthorized Phone Numbers Experian is reporting phone numbers not belonging to me ( e.g., 937-554-0118 ) despite certified fraud disputes sent 03/28/2025. Continued posting of unverifiable numbers violates FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

Multiple False Addresses Experian is reporting addresses that I have never lived at or that were previously disputed and verified false ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX  GA ; XXXX XXXX XXXX XXXX XXXX XXXX GA ; XXXX XXXX XXXX XXXX, XXXX XXXX TX ). These remain on my file after disputes and certified notice dated XX/XX/year>, constituting ongoing inaccuracy under FCRA 607 ( b ).

Failure to Block Identity Theft Accounts By ignoring my certified mailed fraud packet, including the FBCS breach notice ( Exhibit B ), Experian is violating FCRA 605B which requires blocking of accounts and tradelines resulting from identity theft.

Pattern of Retaliation Instead of correcting these items, Experian allowed additional inquiries and suppression tactics immediately after my CFPB filing, further damaging my profile and violating FCRA 611 ( a ) ( 1 ) ( C ) and 623 ( a ) ( 3 ) ( duty to mark accounts as

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 non-monetary relief