Consumer complaint received 2025-03-23 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX XXXX XXXX Date : XX/XX/year> TransUnion LLC, Attention : Office of General Counsel XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Re : Formal Dispute Regarding inaccurate Informtion on my credit report. Procedural Request Letter Dear Sir/Ma'am, I am writing to formally dispute inaccurate information on my credit report that is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into the inaccuries list on my credit report as required by federal law.

Recently the Consumer Financial Protect Bureau filed against Experian and Equifax for its failure to properly investigate comsumer disputes citing, " sham investigaitons. ' and other practices. These practices as outlined by the CFPB are as follows : -Conducting inadequate investigation to properly that failed to address consumer disputes properly. 
-Reinserting previously disputed information without explanation. 
-Failing to notify consumer about investigation resutls effectively. 

Thess allegations highlight sytematic issues that directly undermine consumer protection that perpeptuate the inclusion of inaccurate informtion on credit reports. I am deeply concerned that my disputes were handled in a similar manner at your agency. 

Currently your agency is in direct violation of USC1681i by not conducting a reasonable investigation and not reporting the method of investigation nor send me the direct method of investigation.

Therefore, I am formally requesting the immediate deletion of all falsely verified inaccuracies on my credit report due to procedural verification methods that do not align with federal statutes, specifically under the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and other applicable laws. This letter supplements my prior dispute correspondences, which have been wrongfully dismissed or inadequately addressed.

Legal Basis for Deletion Request : Violation of 15 U.S.C. 1681i ( FCRA ) - Failure to Conduct a Reasonable Reinvestigation Credit reporting agencies must conduct a thorough and reasonable investigation upon receiving a dispute. If procedural verification methods were not sufficient to ensure accuracy, the disputed items must be deleted.

Violation of 15 U.S.C. 1681e ( b ) - Failure to Maintain Maximum Possible Accuracy Any reporting that does not meet the standard of maximum possible accuracy constitutes noncompliance and must be corrected immediately.

Violation of 12 C.F.R. 1002.9 ( Regulation B ) - Adverse Action Notice Requirement Credit reporting agencies and data furnishers must provide proper notification when adverse actions are taken due to credit report inaccuracies.

Violation of 15 U.S.C. 1692e ( Fair Debt Collection Practices Act ) - False or Misleading Representations Any inaccurate reporting, including debts that have been paid or incorrectly attributed, constitutes a violation.

{$1000.00} Penalty Per Violation under 15 U.S.C. 1681n & 1681o For each willful and negligent violation of FCRA statutes, I am entitled to {$1000.00} per violation to be paid directly to me.

Unverified Inaccurate Reporting on Charge-Offs, Closed Accounts, and Inquiries Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Data furnishers are required to verify the accuracy of reported information. Any charge-offs, closed accounts, or inquiries that can not be verified must be deleted.

Violation of 15 U.S.C. 1681b - Permissible Purpose : Any unauthorized inquiries that do not have a legally permissible purpose under the FCRA must be removed immediately.

Violation of 26 U.S.C. 6050P - 1099-C Reporting : If a debt has been canceled or charged off, the creditor is required to issue a 1099-C. No such documentation has been provided to me, nor do I have knowledge of the accounts reporting on my credit.

Gross Misrepresentation and Fraudulent Sale of My Information The credit reports from the three major credit bureaus are inadequate and grossly misrepresented, as I have no knowledge of the accounts negatively impacting my credit report as collections. These inaccuracies must be deleted immediately.

Violation of 15 U.S.C. 1681q - Fraudulent Obtaining of Consumer Information : Any fraudulent sale or unauthorized distribution of my personal credit data is unlawful and requires immediate rectification.

Violation of 15 U.S.C. 1681w - Disposal of Consumer Report Information : Credit bureaus must ensure secure handling of consumer data to prevent fraudulent use.

Violation of HIPAA Privacy Rule and PHI Protection Identifying medical information and any personal health information ( PHI ) that has been improperly shared or reported by credit reporting agencies is a direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

Under 45 C.F.R. 164.502, PHI must not be disclosed without proper authorization, and any medical-related debts that contain XXXX must be removed from my credit report immediately. 

Additionally, my prior dispute letter, which was sent in plain XXXX, was dismissed on the grounds that my request was " not understood. '' This response is unacceptable and does not fulfill the legal duty of a credit reporting agency under FCRA.

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