Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Failure of Experian, XXXX, and TransUnion to Conduct Reasonable Reinvestigations & Reporting Unverified Accounts ( FCRA 611 ) I am filing this complaint against TransUnion, Experian, and XXXX  for failing to reasonably investigate and correct inaccurate or unverifiable information on my credit reports. Although only TransUnion has responded to my mailed disputes, all three bureaus continue reporting multiple derogatory accounts including charge-offs, collections, and late student loan payments that are inaccurate, unverifiable, or no longer valid. 

Timeline of My Disputes : I sent dispute packets to all three bureaus, including : My full identifying information A list of the disputed accounts Supporting documents A request for reinvestigation under FCRA 1681i TransUnion responded twice claiming they can not locate my account and can not determine what I need, despite being given account names, numbers, and ID multiple times.

XXXX  and Experian have not responded to my mailed disputes at all. 

All disputed items remain on my credit reports as shown in my XX/XX/year> myFICO 3-Bureau Report. 

This demonstrates noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation and to delete information that can not be verified. 

DEROGATORY ACCOUNTS REPORTED BY ALL BUREAUS XXXX. XXXX XXXX XXXX XXXX  Account ending in XXXX Charge-off ; derogatory payment history Appears on XXXX, TransUnion, Experian Source : myFICO Report Pages XXXX XXXX. XXXX XXXX Account ending in XXXX Charge-off ; serious derogatory marks Appears on all three bureaus Source : myFICO Report Page XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Account Charge-off ; severe delinquencies Appears on TransUnion & Experian Source : myFICO Report Page XXXX XXXXXXXX XXXX XXXX XXXX Account ending in XXXX Multiple late payments/ derogatory history Appears on Experian Source : XXXX Report XXXX XXXX COLLECTION ACCOUNTS STILL REPORTED BY BUREAUS XXXX. XXXX XXXX XXXX Collection Appears on XXXX, TransUnion, Experian Source : myFICO Negative Summary Page XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Experian Source : Page XXXX XXXX. XXXX XXXX XXXX XXXX Experian XXXX XXXX  Source : Page XXXX XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Appears on XXXX  XXXX Experian Source : Page XXXX STUDENT LOAN LATE PAYMENT REPORTING 9. Department of Education / XXXX XXXX XXXX 120180 day delinquencies reported Timeline inconsistent across bureaus Source : myFICO XXXX  XXXX VIOLATIONS BY THE CREDIT BUREAUS 1. FCRA 611 Failure to Conduct a Reasonable Reinvestigation TransUnion ignored the information I provided twice. 
XXXX and Experian ignored my disputes entirely. 

2. FCRA 607 ( b ) Failure to Assure Maximum Possible Accuracy Many accounts contain inconsistent dates, status codes, and payment histories across bureaus.

3. FCRA 611 ( a ) ( 5 ) Duty to Delete If Verification Fails Because the bureaus did not obtain verification from furnishers, these items should be removed.

REQUESTED CFPB ACTION I am requesting that the CFPB require TransUnion, Experian, and XXXX to : Conduct a full reinvestigation of every account listed above. 

Review the documentation I already submitted ( ID, dispute list, and evidence ). 

Delete any account they can not verify within the statutory timeframe. 

Provide me with a written response showing the investigation results for each item. 

These accounts are significantly harming my creditworthiness, and the bureaus refusal to properly investigate violates federal law. 

Thank you for your assistance. 

Name : XXXX XXXX. XXXX XXXX XXXX XXXX : 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