Consumer complaint received 2025-09-02 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: WA

Complaint narrative:
I am filing this claim regarding both Experian and TransUnions handling of my disputes concerning the account being reported by XXXX XXXX XXXX XXXX XXXX. 

Experian On XX/XX/year>, I submitted a dispute requesting that Experian investigate the accuracy of the XXXX XXXX XXXX XXXX XXXX tradeline. 
On XX/XX/year>, Experian marked the dispute as updated/verified. The investigation was closed in only 13 days, raising serious concerns about whether a reasonable reinvestigation was conducted under 15 USC 1681i ( a ). 
Experian has failed to provide documentation or evidence showing how the account was verified. 

TransUnion On XX/XX/year>, I submitted a dispute requesting that TransUnion investigate the accuracy of the same XXXX XXXX XXXX XXXX XXXX tradeline. 
On XX/XX/year>, TransUnion marked the dispute as updated/verified. The investigation was closed in only 15 days, raising the same concerns about whether a reasonable reinvestigation was performed under 15 USC 1681i ( a ). 
TransUnion has also failed to provide documentation or evidence showing how the account was verified. 

Failure to Provide Required Information Under 15 USC 1681i ( a ) ( 7 ), if requested by the consumer, a credit reporting agency must provide a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name, address, and telephone number of any furnisher contacted, within 15 days of the request. I have requested this from both Experian and TransUnion, and neither has complied. 

Verification Request Will you please verify that the information being reported by XXXX XXXX XXXX XXXX XXXX is 100 % accurate and that you can fully substantiate it with complete documentation from the furnisher. Otherwise, will you please remove this account from my credit file. 

Violations Identified Failure by Experian to conduct a reasonable reinvestigation ( 15 USC 1681i ( a ) ).

Failure by TransUnion to conduct a reasonable reinvestigation ( 15 USC 1681i ( a ) ).

Failure by both Experian and TransUnion to provide the required description of reinvestigation procedures within 15 days ( 15 USC 1681i ( a ) ( 7 ) ).

Demand for Relief I am requesting that Experian and TransUnion : 1. Delete the XXXX XXXX XXXX XXXX XXXX tradeline from my credit reports if it can not be verified with complete and accurate documentation. 
XXXX. Provide me with the full description of the reinvestigation procedure performed, including the name, address, and telephone number of the furnisher contacted. 
XXXX. Confirm in writing that both Experian and TransUnion will comply with the FCRA requirements for reasonable reinvestigation and consumer disclosure going forward. 
I am requesting that Experian and TransUnion : XXXX. Delete the XXXX XXXX XXXX XXXX XXXX tradeline from my credit reports if it can not be verified with complete and accurate documentation. 
XXXX. Provide me with the full description of the reinvestigation procedure performed, including the name, address, and telephone number of the furnisher contacted. 
XXXX. Confirm in writing that both Experian and TransUnion will comply with the FCRA requirements for reasonable reinvestigation and consumer disclosure going forward. 

I am taking legal action due to the issues I have had with Experian and TransUnion for months, and I will be pursuing all available remedies under the Fair Credit Reporting Act.

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