Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint against [ Experian/Equifax/TransUnion ] for repeated violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531, 5536 ) regarding inaccurate, unverifiable, and harmful information on my credit report.

Nature of Complaint : Violation of My Consumer Rights I have disputed the following account ( s ) with [ Experian/Equifax/TransUnion ] , and they have failed to conduct a reasonable reinvestigation or provide adequate verification as required under 15 U.S.C. 1681i : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : The account contains materially false information, including false payment history, misreported account status, incorrect Date of First Delinquency, duplicate/re-aged account. Despite me request, the credit bureau has not properly verified or deleted the inaccurate account in compliance with the law. 
Violations Committed by [ Experian/Equifax/TransUnion ] 1 . Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) o My dispute was processed through an automated system ( e-OSCAR ) rather than a meaningful investigation involving creditor records. This does not satisfy the FCRAs investigation requirements. 
2. Failure to Delete Unverified or Inaccurate Information ( 15 U.S.C. 1681i ( 5 ) ) o The FCRA mandates the removal of any information that can not be verified.

Since [ Experian/Equifax/TransUnion ] has not provided proper verification, the account must be deleted. 
3. Reporting Inaccurate Information with Reckless Disregard ( 15 U.S.C. 1681e ( b ) ) o Under the maximum possible accuracy standard, the credit bureau must ensure all reported information is correct. The continued reporting of this inaccurate account is a violation of my consumer rights. 
4. Failure to Properly Notify Data Furnisher ( 15 U.S.C. 1681s-2 ) o the credit bureau has failed to ensure the furnisher of information ( the creditor ) properly investigates and corrects the error, violating the FCRA.

5. Violation of the Gramm-Leach-Bliley Act ( GLBA ) o 15 U.S.C. 6801 ( b ) : Financial institutions must protect the accuracy and confidentiality of my personal data. Allowing inaccurate credit information to remain on my file is a violation of this duty.

6. Engagement in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) o The CFPB prohibits financial institutions from engaging in deceptive practices. By misrepresenting my creditworthiness and failing to correct known errors, [ Experian/Equifax/TransUnion ] has committed a UDAAP violation under 12 U.S.C. 5531, 5536. 
o REQUESTED RESOLUTION : I am requesting the immediate deletion of this inaccurate account in compliance with the Fair Credit Reporting Act and related federal laws. Additionally, I request that the CFPB investigate this matter, issue penalties if warranted, and ensure [ Experian/Equifax/TransUnion ] properly adheres to all applicable laws regarding consumer credit reporting.

Enclosures : Copy of my credit report highlighting the inaccurate account Copies of any supporting documentation proving my dispute I trust that the CFPB will take appropriate enforcement action and hold [ Experian/Equifax/TransUnion ] accountable for these clear violations of federal law. Thank you for your attention to this urgent matter. 
Sincerely, 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