Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against TransUnion equifax y experian for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, TransUnion continues to report accounts that are inaccurate, unverifiable, and/or obsolete on my credit file. These accounts have not been properly verified with original documentation as required under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

The accounts in question include but are not limited to : XXXX XXXXXXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX  This account is reporting as charged-off and sold. I demand a full investigation including the original signed agreement, proof of charge-off, and complete chain of title proving lawful ownership. If this documentation can not be provided, DELETE this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was settled for less than the full balance and marked as charge-off. Provide the original agreement, itemized accounting records, and settlement documentation. If not validated in full, this account must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as sold and charged-off. I dispute its accuracy and demand documentation showing the identity of the original creditor, proof of the charge-off, and sale documentation. DELETE this entry if these documents can not be produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collection account for XXXX XXXX. I request full validation including a copy of the original contract, itemized billing, and legal proof of collection rights. If not verified in accordance with FCRA, this account must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection for XXXX XXXX XXXX XXXX is unverified. Provide original signed documentation, full payment history, and proof of collection authority. If this can not be substantiated, DELETE this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I dispute this collection account from XXXX XXXX. I demand a copy of the contract, payment history, and legal transfer/assignment documentation. Without complete verification, REMOVE this account. 


TransUnion has failed to provide adequate investigation or supporting documentation for these disputed accounts within the timeframe required by law. I respectfully request that the Consumer Financial Protection Bureau investigate TransUnions failure to comply with the FCRA and take appropriate enforcement action. Please hold them accountable for violating my consumer rights. 

Attached are copies of my original dispute letter and supporting documentation. 

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