Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Re : Ongoing Inaccuracies and Failure to Conduct Proper Investigations I am writing to formally dispute and demand correction of serious inaccuracies in my Experian credit file, and to put Experian on notice regarding violations of the Fair Credit Reporting Act ( FCRA ) and issues directly related to the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for conducting sham investigations of consumer disputes. 

Just like the CFPB outlined in its complaint, Experian has failed to conduct proper, timely, and reasonable investigations into my disputes. Specifically : 1. I have submitted three separate disputes concerning inaccuracies in my personal identifying information. 
Some items were temporarily removed, but Experian later reinserted all names and addresses without providing the required reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This failure to notify is a direct violation of the FCRA.

2. Experian continues to report inaccurate and inconsistent information across my credit file, including collection accounts that have caused my credit score to drop and prevented me from obtaining credit. 
XXXX. My disputes have not been properly investigated. The responses I receive are generic form letters, with no evidence of a meaningful investigation or contact with the furnishers of the disputed information. 
XXXX. I can not even access accurate, complete reports across all three credit bureaus. Experian provides limited information dating only from the time of my dispute forward, while XXXX  and TransUnion show conflicting data. This inconsistency further demonstrates that Experian is failing to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Because of Experians failure to comply with federal law, I am suffering ongoing and significant harm, including : Denials of credit A lower credit score Emotional distress caused by repeated re-disputes and Experians refusal to properly investigate Demand for Action : Immediately and permanently remove all inaccurate personal information ( incorrect names, addresses, and variations ). 
Permanently delete or correct all inaccurate account information, particularly the collection accounts reporting with inconsistent or re-aged dates. 
Provide me with a full, updated copy of my credit report reflecting these corrections. 
Provide written confirmation of compliance with FCRAs reinsertion notice requirement. 

If these issues are not resolved promptly, I will escalate this matter by : Filing ( and supplementing ) complaints with the CFPB and FTC ; Contacting my state Attorney General ; and Pursuing legal remedies, including statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n. 

Please treat this letter as a formal dispute under the FCRA and as notice of Experians ongoing violations. 

Sincerely, 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