Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Credit Report Dispute Letter * * Date : * * XX/XX/XXXX * * To : * * TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX * * From : * * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX -- - # # RE : Formal Dispute of Unauthorized Information on Credit Report * * Dear TransUnion Dispute Department, * * I am writing to formally dispute unauthorized and inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # # # Account Being Disputed : - * * Creditor : * * XXXX  - * * Account Number : * * XXXX * * ( partial account number ending in XXXX ) - * * Account Type : * * Installment Account - Unsecured Loan - * * Date Opened : * * XX/XX/XXXX - * * Date Closed : * * XX/XX/XXXX - * * High Balance : * * {$4200.00} # # # Nature of Dispute : I am disputing this account because it contains * * unauthorized information * * that I did not consent to having reported on my credit file. Specifically : 1. * * This account was not authorized by me * * - I did not apply for, open, or authorize this account 2. * * I have no knowledge of this debt * * - This account does not belong to me and I have never had any business relationship with this creditor 3. * * Potential identity theft * * - This appears to be the result of unauthorized use of my personal information # # # Requested Action : I am requesting that you : 1. * * Immediately remove * * this entire account from my credit report 2. * * Investigate * * this matter thoroughly under FCRA guidelines 3. * * Provide written confirmation * * of the removal and investigation results 4. * * Block * * any future reporting of this account # # # Supporting Documentation : I am prepared to provide additional documentation if needed to support this dispute, including : - Government-issued photo identification - Proof of current address - Police report ( if identity theft is confirmed ) Legal Rights Notice : Please be advised that under the FCRA ( 15 U.S.C. 1681i ), you are required to : - Investigate this dispute within 30 days of receipt - Remove or correct any inaccurate information - Provide me with written results of your investigation - Notify the furnisher of the disputed information Response Requested : Please send your investigation results and confirmation of account removal to : XXXX XXXX XXXX XXXX XXXX XXXX, GA [ ZIP CODE ] Email : XXXX I expect this matter to be resolved promptly and completely. If you require any additional information from me, please contact me in writing at the address above. 

Thank you for your immediate attention to this serious matter. 

* * Sincerely, * * XXXX XXXX * * Date : * * XX/XX/XXXXXXXX XXXX

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