Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TransUnion and Experian are erroneously reporting information that should not be reported. I have sent several disputes that never get resolved due to the inaction of Transunion and Experian. XXXX has been the only entity that has completed all my disputes in the correct manner. I will include a letter from XXXX XXXX XXXX XXXX that shows that this account was satisfied and should not be reflected on my account as delinquent. 

CFPB Complaint : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX : TransUnion Company 2 : Experian 2. Product/Service Credit reporting , credit repair, or other services 3. Issue Problem with a credit reporting companys investigation Sub-issue : Investigation didnt fix an error on your report 4. Complaint Narrative Account Information : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Desired Outcome : Complete deletion of this account from my credit report. 

Detailed Narrative : This complaint is filed against TransUnion and Experian for their repeated failure to conduct a reasonable investigation into an inaccurate and unverified account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The furnisher of this information is XXXXXXXX XXXX, with the underlying debt serviced by XXXX XXXX XXXX. 

History of Disputes and Lack of Verification : I have disputed this account with both TransUnion and Experian on multiple occasions ( over 3 times each ), beginning on or about XX/XX/year>. In my disputes, I specifically requested that the Credit Reporting Agencies ( CRAs ) provide the verification documents used by the furnisher ( XXXX XXXX XXXX to substantiate the accuracy of this debt. To date, neither TransUnion nor Experian has provided any verifiable documentation for my inspection. This failure to provide proof of verification constitutes a violation of my rights under the FCRA. 

Evidence of Inaccuracy and Discharge of Debt ( UCC Strict Foreclosure ) : The account is factually inaccurate and misleading, especially in light of recent actions by the servicer. I am attaching a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, titled Notification of Proposal to Accept Collateral in Satisfaction of Debt ( UCC Strict Foreclosure ). 

This letter explicitly states : We propose to accept your Membership in satisfaction of the balance, and the obligations due from you to us will be deemed discharged as a result.

This proposal, which I have not objected to, is a form of strict foreclosure under the Uniform Commercial Code ( UCC ). Once the collateral ( the Membership/Vacation Credits ) is accepted, the debt is legally discharged and satisfied.

The FCRA Violation : The continued reporting of this account as an active, outstanding, or delinquent debt by both TransUnion and Experian is a clear violation of the FCRA for the following reasons : 1. Failure to Verify ( 15 U.S.C. 1681i ) : The CRAs have failed to provide any documentation proving the accuracy of the account, despite multiple requests. 
2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : The account status is inaccurate because the debt has been satisfied and discharged ( or is in the process of being discharged ) via the UCC strict foreclosure process. The account should be immediately updated to reflect a XXXX balance and a status of Account Closed/Satisfied or Debt Discharged. 
3. Furnisher Violation ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, XXXX XXXX XXXX has failed to properly investigate my disputes and has continued to furnish information that is materially inaccurate and misleading to the CRAs, specifically failing to report the UCC strict foreclosure and subsequent discharge of the debt.

Request for Relief : I demand that TransUnion and Experian immediately delete this account entirely from my credit reports. Their repeated failure to conduct a reasonable investigation and their continued reporting of this inaccurate and unverified account, especially given the attached evidence of debt discharge, is causing me significant financial harm. 

I will be pursuing all available remedies, including litigation, if this account is not deleted immediately. 


5. Attachment ( Included Is the Collateral in Satisfaction of Debt

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