Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
b"I, submit this formal complaint against Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated time frame, failure to provide verification details upon request, and failure to validate debt prior to reporting.\n\nBackground & Violations\nMy credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C.  1692g(a) and (b).\nFurthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically:\n15 U.S.C.  1681i(a)(1)(A): Failure to investigate disputes within the required 30-day period.\n15 U.S.C.  1681i(a)(5)(B): Failure to provide notice and certification before reinserting previously deleted information.\n15 U.S.C.  1681e(b): Failure to ensure maximum possible accuracy.\n15 U.S.C.  1692g(a)(4): Failure to provide verification of debt, including original contracts and signatures, upon request.\n15 U.S.C.  1681i(a)(6)(B)(iii): Failure to provide specific details on dispute findings.\n\nRelated Lawsuits & CFPB Actions\nThe CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint:\nExperian Lawsuit (January 7, 2025):\nThe CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers' credit, employment, and housing access. The CFPB seeks to halt Experian's misconduct, provide redress, and impose penalties.\nTransUnion Settlement (October 2023):\nThe CFPB, alongside the FTC, reached a $15 million settlement with TransUnion and its subsidiary, TransUnion Rental Screening Solutions, Inc., for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers' ability to secure housing. TransUnion agreed to pay $11 million in restitution and a $4 million civil penalty and implement enhanced accuracy measures.\nEquifax Lawsuit (January 17, 2025):\nThe CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations.\nThese actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian.\nFraudulent Accounts & Unauthorized Reinsertions\n\n1. XXXX XXXX XXXX (Account: XXXX\n        Issues: Charged-off status, discrepancies, lack of proper notification\n        Violations:\no    FCRA  1681e(b): Failure to ensure maximum possible accuracy\no    FCRA  1681i(a): Failure to properly reinvestigate disputed information\no    FCRA  1681g: Failure to disclose verification records\no    FCRA  1681b: Lack of permissible purpose\no    FDCPA  1692g: Failure to validate debt within 5 days\no    FDCPA  1692e: Misrepresentation of debt status\no    FDUTPA  501.204: Unfair and deceptive reporting practices\n        Request: REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY.\n2. XXXX XXXX XXXX XXXX (Account: XXXX        Issues: Balance discrepancies, validation failure\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY.\n3. EMVLP II LLC/FIS (Account: XXXXXXXX        Issues: Balance discrepancies, validation failure\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY.\n4. XXXX (Account: XXXX         Issues: Discrepancies in account numbers and balances, no validation\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY.\n5. XXXX XXXX (Account: XXXX         Issues: Balance discrepancies and unverifiable late payments\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY.\n6. XXXX XXXX XXXX (Account: XXXX        Issues: Balance discrepancies and unverifiable late payments\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE ALL LATE PAYMENTS FROM THIS ACCOUNT IMMEDIATELY.\n7. DEPTEDXXXX (Account: XXXX         Issues: Balance discrepancies and unverifiable late payments\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE ALL LATE PAYMENTS FROM THIS ACCOUNT IMMEDIATELY.\n8. XXXX XXXX  (Account: XXXX        Issues: Balance discrepancies, failure to validate\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE ALL LATE PAYMENTS FROM THIS ACCOUNT IMMEDIATELY..\n9. XXXX XXXX XXXX XXXX(Account: XXXX         Issues: Balance discrepancies and unverifiable late payments\n        Violations:\no    FCRA  1681e(b), 1681i(a), 1681g, 1681b\no    FDCPA  1692g, 1692e\no    FDUTPA  501.204\n        Request: REMOVE ALL LATE PAYMENTS FROM THIS ACCOUNT IMMEDIATELY.\nUnauthorized Inquiries (Remove Immediately)\nEntitiesXXXX XXXX XXXX XXXX XXXX etc.\n        Issue: Conducted without written authorization or permissible purpose\n        Violations:\no    FCRA  1681b: Lack of permissible purpose\no    FDUTPA  501.204: Deceptive inquiry practices\nIncorrect Names, Addresses, and Employers:\n        Incorrect Name Variations: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX        Incorrect AddressXXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX Pr XXXX        Incorrect Employers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX        Violations:\no    FCRA  1681e(b): Failure to ensure accuracy\no    FDUTPA  501.204: Misrepresentation through false data\n        Request: REMOVE ALL INACCURATE PERSONAL DATA IMMEDIATELY.\nDemands for Resolution\nImmediate Removal and Blockage:\nRemove and block all fraudulent accounts and unauthorized inquiries from my credit file across all three bureaus.\nEnsure that these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C.  1692g(b).\nWritten Confirmation:\nProvide written confirmation of the removal of these accounts and inquiries along with updated copies of my credit reports.\nThorough Investigation:\nConduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent.\nProvide findings in writing, including all requested verification details, such as contracts and signatures.\nCompliance with Identity Theft Protections:\nImplement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C.  1681g(e).\nThe continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C.  1681n and 1681o for willful and negligent violations.\nYour intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected."

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