Consumer complaint received 2025-02-19 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:
This is in response to my dispute uploaded on this very CFPB website on XX/XX/2025 as TransUnion has responded on XX/XX/XXXX of 2025 with the response as update once again, the same generic response that they always do with non-monetary relief, of course! I demand escalation pertaining to my complaint against TransUnion for their repeated violations of the Fair Credit Reporting Act ( FCRA ) and continued failure to conduct proper investigations into my disputes. Despite numerous disputes submitted with supporting documentation, TransUnion has persistently ignored my evidence, failed to conduct meaningful investigations, and re-reported previously deleted inaccurate information, all of which have severely damaged my creditworthiness.

Violations of Consumer Rights Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion has consistently failed to conduct proper investigations into my disputes. Instead of verifying information with the furnishers, they have relied on automated Metro 2 responses or artificial intelligence, which fail to address my specific disputes.

In their latest response, TransUnion falsely claimed that they had no reports of late or missed payments, despite clear documentation showing otherwise. XXXX has already corrected these errors, yet TransUnion refuses to follow suit. 

Failure to Remove Inaccurate Information and Re-Reporting Previously Deleted Items ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ) TransUnion has removed XXXX Credit Collections and other disputed medical accounts multiple times, only to reinsert them within a montha tactic they have engaged in for three years. 

I have continuously disputed the unauthorized, XXXX XXXX inquiries on my Trans Union account no proof of signatures or no proof of anything tying me to these accounts have been sent to me, so therefore this is unauthorized in accurate reporting and considered unlawful XXXX and Experian have removed these same accounts permanently, proving that the information is inaccurate and unverifiable. TransUnions refusal to do the same is a blatant violation of the FCRA. 

XXXX XXXX was included in my FTC Identity Theft Report, yet TransUnion has refused to honor my request under 15 U.S.C. 1681c-2 ( Section 605B ) to block this fraudulent account, even after XXXX has removed it. 

Failure to Provide Investigation Procedures Upon Request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) I have repeatedly requested the exact procedures used in their " investigation '' process. TransUnion has failed to provide this information, which is a direct violation of my consumer rights.

Failure to Notify Me of Reinserted Information Within Five Days ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) TransUnion has not provided the legally required written notice informing me that previously deleted accounts have been reinserted. This is yet another clear FCRA violation.

Failure to Accurately Report Loan Statuses and Credit Card Payments ( 15 U.S.C. 1666b ) My XXXX  XXXX accounts and my XXXX XXXX ( XXXX XXXX ) account show no late or missed payments on XXXX, yet TransUnion continues to report them inaccurately. 

My XXXX student loans are currently in forbearance, yet TransUnion has failed to update their status accordingly. 

Harm and Monetary Relief Due to TransUnion 's negligence, I have suffered severe financial harm, including : Lowered credit scores, affecting my ability to obtain housing, loans, and financial opportunities.

Repeated costs for certified mail, postage, and transportation to dispute these ongoing errors.

Emotional distress and unnecessary time spent repeatedly disputing the same errors. 

Permanent credit damage, as even if these errors are corrected, my score has been artificially suppressed due to their years of improper reporting. 

Demand for Immediate Action I demand that the CFPB take immediate action against TransUnion, including : Immediate and permanent deletion of all disputed accounts that have already been removed or corrected by XXXX. 

A full investigation into TransUnions failure to comply with FCRA laws and their use of AI/automated systems to improperly " verify '' disputes. 

Monetary relief for damages incurred, including financial losses and credit score damage caused by TransUnions negligence.

A formal response within FOUR BUSINESS DAYS confirming the actions taken by TransUnion to resolve these disputes. No more 30, 60, or 90-day delay tactics. 

Given the ongoing lawsuits against XXXX and Experian, I am certain TransUnion is next, as they are engaging in the same illegal practices that have led to enforcement actions against the other credit bureaus. I expect CFPB to act swiftly to prevent further harm. 

If no corrective action is taken, I am prepared to escalate this matter further, including legal action.

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