Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
THIS IS A FORMAL FCRA PROCEDURAL REQUEST UNDER 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

THIS REQUEST MUST NOT BE PROCESSED THROUGH E-OSCAR.

A HUMAN INVESTIGATOR IS REQUIRED. 

Re : Method of Verification Request XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXX XXXX ) Attn : TransUnion LLC XXXX XXXX Department XXXX TransUnion completed XXXX reinvestigation of the XXXX XXXX XXXX XXXX and sent a notice stating the information was verified as accurate. Your letter did not provide the Method of Verification. Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to receive the full description of the procedure used to determine the accuracy and completeness of the disputed information. This includes who verified it, how it was verified, and what documents were reviewed. I requested this information, and TransUnion did not provide it. 

The XXXX judgment TransUnion is reporting is void. I uploaded the judgment. The file shows no proof of service, no affidavit, no address, and no jurisdiction. I did not live in Minnesota on the date LVNV claims service occurred. I lived in South Carolina. A judgment entered without service violates due process under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. A void judgment is inaccurate information and can not be reported under FCRA XXXX ( b ). 

XXXX also has no prima facie evidence of ownership. They produced no contract, no purchase and sale agreement, no assignments, and no chain of title. Industry practice shows XXXX XXXX XXXX  securitizes receivables into trusts. For XXXX to own this debt, there must be a transfer from the trust back to XXXX XXXX and a separate assignment to XXXX. XXXX provided none of this. Reporting a tradeline when the furnisher can not prove ownership violates FCRA 1681e ( b ) and 1681i.

I am demanding the full Method of Verification, including the name of the person who verified the information, the business they work for, the phone number used, and the documents reviewed. I need to know whether TransUnion contacted the Minnesota court, whether TransUnion received any affidavit of service, whether TransUnion received any ownership documents, and whether TransUnion relied only on an ACDV response through E-OSCAR. 

Under XXXX XXXX, hearsay is not admissible. XXXX and its attorney rely on hearsay and unauthenticated statements from unknown third parties. If TransUnion relied on unverified hearsay from XXXX, this does not meet the requirements of a reasonable reinvestigation. 

If TransUnion does not provide the full Method of Verification within fifteen days, TransUnion will be in violation of the FCRA for failure to comply with 1681i and failure to conduct a reasonable reinvestigation. At that point, I will take further action. If you can not provide the documentation, then this tradeline must be deleted because it is inaccurate, unverifiable, and based on a void judgment with no admissible evidence supporting it.

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