Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX This letter serves as a vehement complaint regarding your irresponsible reporting of inaccurate and incomplete credit information. I am distressed and utterly frustrated that you have included the below information in my credit profile, demonstrating a blatant disregard for maintaining reasonable procedures in your operations to ensure the utmost accuracy in the credit reports you publish. 
Make it explicit that I will tolerate no more delays or stall tactics from the bureau. The attached packet contains all the necessary information, and any further hindrance is unacceptable. I am done with them and those make no sense.

Regarding your egregious violations of the United States Code Law, specifically FCRA 15 U.S Code 1681s-2 and FCDCPA 15 U.S Code 1692e, I am appalled by your disregard for the responsibilities outlined in these statutes.

I need proper proof that bears my signature, not an account chart that just has the account info. That doesn't validate any account.

Under FCRA 15 U.S Code 1681s-2 ( 3 ), you have clearly breached the law by failing to provide notice of dispute when the completeness or accuracy of information is disputed by a consumer. I disputed these inaccurate items over 35 days ago, and your failure to notate them as disputed has had severe repercussions, causing me to miss out on offers due to your negligent reporting of this inaccurate information.

Due to these severe violations, I insist on the prompt removal of all the mentioned items from my consumer report, as they unmistakably breach 12 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ). Failure to comply will force me to take legal action to safeguard my rights and pursue necessary remedies. 
1. The inquiry was not authorized XXXX XXXX L Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I demand substantial monetary damages for the blatant violation of my rights, and I will pursue these claims aggressively in small claims court within my city and state under the full extent of 15 USC 1681n civil liability. I have unequivocally been violated, and I am ready to take forceful legal action.

Furthermore, be warned that we are actively engaged in this matter, and this letter has already been dispatched to the Complaint portal, including the Consumer Financial Protection Bureau, State Attorney General 's office, Better Business Bureau, and Federal Trade Commission.

Your persistent failure to adhere to proper reporting standards and address the violations in my consumer report will not go unanswered.

In addition to 15 USC 1681n, I am prepared to explore all available legal avenues, including potential violations of FCRA 15 U.S Code 1681s- 2 ( 3 ) and FCDCPA 15 U.S Code 1692e ( 8 ). This is your final opportunity to rectify the situation before facing the consequences of a vigorous legal pursuit. 
Sincerely, 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