Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Date of Incident : XX/XX/year> XX/XX/year> Credit Bureau Involved : TransUnion & Experian Furnisher Involved : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX ________________________________________ Summary of Complaint : I am filing this complaint regarding TransUnions continued reporting of a tradeline furnished by XXXX XXXX XXXX ( XXXX ) that is both inaccurate and unverifiable. This is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I mailed a formal dispute and demand letter to TransUnion. In that letter, I invoked my rights under : FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable items.

FCRA 1681s-2 ( b ) : Furnishers duty to investigate and correct.

FDCPA 809 ( b ) : Right to debt validation prior to collection or reporting.

I demanded the deletion of multiple inaccurate tradelines, including XXXX XXXX XXXX ( MCM ) and XXXX XXXX XXXX ( XXXX ), within 10 business days. 
TransUnions Response ( Dated XX/XX/year> ) : MCM was deleted, indicating acknowledgment that the debt was not legally reportable. 
XXXX was verified as accurate, but no documentation or lawful validation was ever provided by the furnisher, despite my repeated demands. 
________________________________________ Violations Identified : 1. TransUnion violated FCRA 1681i ( a ) ( 5 ) by failing to delete an account that could not be properly verified. 
XXXX. XXXX XXXX XXXX violated FCRA 1681s-2 ( b ) by continuing to report the account without conducting a lawful investigation or providing supporting documents. 
XXXX. XXXX also violated FDCPA 809 ( b ) by failing to provide any validation of the debt despite having received prior notice and disputes.

________________________________________ Additional Furnisher Violation XXXX  XXXX XXXX Two charged-off accounts reported by XXXX XXXX XXXXXXXX were also included in my XX/XX/year> dispute to XXXX. Both accounts were verified and updated without any supporting documentation or lawful debt validation. 
This is a violation of : FCRA 1681i ( a ) ( 5 ) : XXXX  XXXX XXXX failed to produce documentation that the accounts were accurate, complete, and verifiable. 
FCRA 1681s-2 ( b ) : TransUnion relied on verification without confirming that XXXX XXXX XXXXXXXX XXXX XXXX a meaningful reinvestigation. 
These accounts remain negative and harmful, despite the fact that : One account reflects a charge-off of over {$8900.00} ; The other reflects a charge-off of over {$3000.00} ; Both were closed years ago, and I am no longer receiving statements, notices, or communications from XXXX XXXX XXXXXXXX regarding them . 
I believe this is a continued failure to comply with federal reinvestigation obligations.

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