Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX IA XXXX Date : [ Insert Date ] Subject : Urgent Complaint Against Experian, Equifax, and TransUnion for FCRA Violations To Whom It May Concern, I am filing this **urgent and formal complaint** against the three major credit bureaus**Experian, Equifax, and TransUnion**for multiple violations of the **Fair Credit Reporting Act ( FCRA ) ** and failure to comply with **federal laws** regarding consumer disputes. Despite multiple attempts to correct **inaccurate and unverifiable** information on my credit report, the bureaus have **failed to properly investigate and remove erroneous accounts**. This is a clear violation of federal regulations. 

# # # **Disputed Accounts That Must Be Deleted** - Educators Credit Union ( Account Number : XXXX ) - Opened on XX/XX/XXXX - Status : Closed - Balance : {$10000.00} - Educators Credit XXXX XXXX Account Number : XXXX ) - Opened on XX/XX/XXXX - Status : Closed - Balance : - - XXXX XXXX XXXX XXXX  Account Number : XXXX ) - Opened on XX/XX/XXXX - Status : Closed - Balance : - - XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX ) - Opened on XX/XX/XXXX - Status : Closed - Balance : {$440.00} - XXXX XXXX ( Account Number : XXXX ) - Opened on XX/XX/XXXX - Status : Open - Balance : {$1300.00} - XXXX XXXX ( Account XXXX : XXXX ) - Opened on XXXX XXXX, XXXX - Status : Closed - Balance : {$12000.00} - XXXX XXXX XXXX ( Account Number : XXXX ) - Opened on XXXX XXXX, XXXX - Status : Closed - Balance : - # # # **Violations Committed by the Credit Bureaus** 1. **FCRA 611 ( 15 U.S.C. 1681i ) ** - If a credit bureau ** can not verify** an account within **30 days**, it **must be deleted**. The bureaus failed to provide proper documentation verifying the accuracy of the accounts in question. 
2. **FCRA 623 ( 15 U.S.C. 1681s-2 ) ** - Data furnishers ( creditors ) are required to report **only accurate and verifiable information**. The disputed accounts contain **inconsistencies, errors, and unverifiable data**, yet the bureaus refuse to delete them. 
3. **CFPB Compliance Requirements** - Under the CFPB 's regulatory authority, credit bureaus **must conduct reasonable investigations** into consumer disputes. By failing to provide adequate verification, they are in direct violation of CFPB consumer protection guidelines. 

# # # **Demand for Immediate Action** I demand that **Experian, Equifax, and TransUnion** immediately **delete all disputed accounts** from my credit report within **15 days**. Failure to comply will result in the following actions : **Formal complaints with the Federal Trade Commission XXXX FTC ) ** for continued FCRA violations. 
**A letter to my State Attorney Generals Office** requesting legal enforcement.

**Consulting legal counsel to explore a possible FCRA lawsuit** against the non-compliant credit bureaus.

The continued presence of inaccurate information on my credit report is causing me **financial harm** and violates my rights under federal law. I request that the **CFPB investigate this matter immediately** and ensure that Experian, Equifax, and TransUnion comply with consumer protection laws. 

I look forward to a prompt resolution and written confirmation that these accounts have been removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX 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