Consumer complaint received 2025-12-10 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: NY

Complaint narrative:
Ongoing Unresolved FCRA Violations & Failure to Properly Verify Information XXXX : XXXX XXXX XXXX XXXX unit XXXX XXXX, new york XXXX XXXX XXXX Date : XX/XX/XXXX To : Office of the Comptroller of the Currency ( XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Equifax XXXX XXXX, XXXX Experian Information Solutions , Inc . 
TransUnion XXXX XXXX XXXX Bank ( XXXX ), XXXX. 

Subject : Formal Complaint Ongoing Unresolved FCRA Violations and Failure to Properly Verify Information Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am submitting this formal complaint because the issues involving the above-referenced account have been ongoing, unresolved, and repeatedly mishandled, despite multiple attempts on my part to correct them. My concerns involve alleged unauthorized access to my personal information, failure to conduct proper verification, and continued reporting of inaccurate data, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Ongoing Issue With Unauthorized Access and Use of Personal Information I reiterate that I never provided written consent for XXXX XXXX  or any associated parties to obtain, furnish, or share my personal information regarding this account. 
Despite raising this issue numerous times, the matter has never been properly addressed or investigated. 
This has contributed to significant harm, including : Identity theft concerns Manipulation of my consumer file Blacklisting Blockage of full faith and credit that I am entitled to under the law 2. Continuous Reporting of Inaccurate Information I have disputed the inaccurate information linked to this account several times. Each time, the matter has either : Been marked as verified without any actual verification, Been ignored, Or resulted in continued reporting of incorrect, unverified, or misleading information.

Under the FCRA, furnishers and credit reporting agencies are required to : Ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Conduct reasonable, good-faith, and complete investigations into disputes ( 15 U.S.C. 1681i ) Report only with a permissible purpose ( 15 U.S.C. 1681b ) These obligations have not been met, and my previous disputes have never been resolved appropriately. 

XXXX. Failure to Properly Verify or Substantiate Information CFPB Dispute Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each dispute I have submitted has resulted in what appears to be a superficial or automated verification process, with no supporting documentation provided. 
If XXXX XXXX or any credit reporting agency can not provide documented proof, including a valid signed contract or authorization, then the information must be removed. 
Because verification has never been properly completed, the continued reporting of this account constitutes an ongoing violation of my rights. 

4. Requested Action I am formally requesting : A full and complete investigation by each agency and XXXX XXXX. 
A detailed explanation of how the disputed information was previously verified. 
Removal of any and all inaccurate, unverified, or improperly furnished information from my credit file. 
A complete audit of all inquiries, reporting practices, and data exchanges made without my written consent. 
Written confirmation of the results from each party within the legally required timeframe. 

Certification I certify that the statements made in this complaint are true and reflect my ongoing and unresolved concerns regarding the misuse and misreporting of my personal information. 

Thank you for your prompt attention. I expect a timely written response from each entity listed. 
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