Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is against the national credit reporting agencies ( Equifax, Experian, and TransUnion ) for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires proper reinvestigation of disputed items.

Despite multiple disputes with supporting documentation, each bureau verified or re-reported inaccurate and unverifiable information without properly conducting a reinvestigation. I am requesting the Automated Consumer Dispute Verification ( ACDV ) procedures and full documentation used to verify these accounts. 
Disputed Accounts XXXX XXXX XXXX XXXX  Acct. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXXXXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX Accts. XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX  Acct. XXXX XXXX  XXXX Accts. XXXX, XXXX, XXXX XXXX XXXX BANK XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct. XXXX XXXX XXXX Acct. XXXX XXXX XXXX  Accts. XXXX, XXXX XXXX XXXX XXXX XXXXE Acct. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Types of Errors Across All Bureaus : Incorrect payment history False late payment notations Improper charge-off or collection status Accounts verified without documentation of debt Unverifiable or inaccurate data remaining after dispute FCRA Violations Failure to initiate investigation within 5 business days.

Failure to forward disputes to furnishers within 5 business days.

Failure to complete investigation within the statutory 3045 days. 


Failure to delete or correct unverifiable information per 1681i ( a ) ( 5 ) ( B ).

Failure to provide notice of results within 5 business days after completion.

Verification of accounts without providing underlying documentation.

Requested Resolution Immediate deletion or correction of all disputed accounts that remain inaccurate or unverifiable. 


Full XXXX  XXXX XXXX and verification procedures used by each bureau. 


Written confirmation of all corrective actions taken. 


Issuance of a free updated credit report reflecting changes. 


Explanation of why items were verified despite evidence to the contrary.

Escalation Notice If not resolved, I intend to pursue further enforcement actions, including filing complaints with the FTC, my State Attorney General, and seeking damages under 15 U.S.C. 1681n & 1681o for willful and negligent violations of the 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