Consumer complaint received 2025-04-13 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: OR

Complaint narrative:
REBUTTAL STATEMENT AND LEGAL COMPLAINT ADDENDUM Filed by : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, D.C. XXXX XXXX : Equifax Information Services LLC XXXX XXXX XXXX, XXXX, GA XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX , XXXX XXXX , CA XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXXXXXX Credit Reporting Department XXXX XXXX Credit Reporting Department Subject : REBUTTAL COMPLAINT Ongoing FCRA Violations by XXXX XXXX XXXX XXXX , Equifax, TransUnion, and Experian This rebuttal is being submitted to formally address and challenge the continued unlawful presence of derogatory accounts from XXXX XXXXXXXX and XXXXXXXX XXXX on my Equifax, Experian, and TransUnion credit reports. Despite my prior complaint, detailed FTC report, and multiple lawful disputes under the Fair Credit Reporting Act ( FCRA ), all three credit reporting agencies and the referenced furnishers remain in active violation of federal law. 

I am a victim of deceptive and unfair acts and procedural misconduct by XXXX XXXX XXXX XXXX, Equifax, TransUnion, and Experian. Each of these parties has failed to follow federally mandated procedures, allowed verifiably inaccurate data to remain on file, and compounded the damage done to my financial profile through sham investigations and unlawful reinsertion of incorrect information. 



FTC REPORT FILED AS EVIDENCE OF UNFAIR BUSINESS PRACTICES My FTC Report was filed to put all parties on notice regarding the unfair, deceptive, and procedurally illegal handling of my consumer data by both the furnishers and the credit reporting agencies. 

This includes : Failure to delete inaccurate and unverified accounts Re-insertion of previously deleted information without certification Reporting different account statuses across the three CRAs Ignoring mandatory notice, reinvestigation, and deletion timelines The FTC report specifically names : XXXX  XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) These accounts were misreported, not contractually valid, and lack the legally required documentation to be furnished as accurate. 



ONGOING VIOLATIONS OF FEDERAL LAW 1. FCRA 1681s-2 ( a ) ( 7 ) No 30-day written notice was provided before furnishing negative data. 
Neither XXXX XXXX nor XXXX XXXX ever notified me in writing, as required by law, that they would be furnishing derogatory information to the credit bureaus. 
2. FCRA 1681s-2 ( a ) ( 5 ) Inaccurate or unverifiable First Date of Delinquency.

I have not received a single document verifying the actual First Date of Delinquency ( FOD ). The dates furnished to the CRAs appear manipulated, suggesting unlawful re-aging.

3. FCRA 1681s-2 ( b ) ( 1 ) ( D ) Failure to update or delete consistently across all CRAs.

Equifax, TransUnion, and Experian all show different statuses for the same XXXX XXXX and XXXXXXXX XXXX accounts. That is direct evidence of systemic noncompliance by the furnishers.

4. FCRA 1681i ( a ) ( 5 ) ( B ) Unlawful reinsertion.

If any of these accounts were previously removed, they were reinserted without written notice or certification. I received no documentation from any CRA explaining such action.

5. FCRA 1681e ( b ) Failure of CRAs to ensure maximum possible accuracy.

The CRAs have failed to apply reasonable procedures to ensure the accuracy of my reports. The inconsistent reporting between bureaus confirms that these systems are broken and biased against consumers.

6. FCRA 1681i ( a ) Failure to conduct proper reinvestigation.

I have received responses marked verified as accurate without explanation or documentation. This is a textbook sham reinvestigation, a practice that has already resulted in federal action against Equifax and Experian in recent years.

7. FTC Act 5 ( 15 U.S.C. 45 ) Unfair and Deceptive Acts and Practices.

Reporting inaccurate accounts, ignoring valid disputes, and selectively sharing consumer data between CRAs are inherently deceptive, and subject to enforcement by the FTC.

RESOLUTION DEMANDED : To resolve this matter lawfully and fairly, I demand the following actions within 10 business days : 1. Immediate and permanent deletion of all derogatory data related to : XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) 2. Written confirmation from Equifax, TransUnion, and Experian that these accounts have been removed in full and will not be reinserted without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

3. Full copies of all documents used to verify the accounts, including but not limited to : Billing statements Signed account agreements Date/time logs of alleged delinquencies 4. A formal investigation by the CFPB into all parties for systemic violations of the FCRA and FTC Act.

5. Immediate suppression of these accounts during reinvestigation, as the FCRA mandates a suspension of reporting while a dispute is active and unresolved.

NOTICE OF LEGAL CONSEQUENCES Failure to take immediate corrective action will result in : A second expanded CFPB complaint citing repeated and willful violations A formal FTC complaint naming each company involved Referral to the Oregon Attorney General Preparation of a civil lawsuit in XXXX District Court seeking : Statutory damages of {$1000.00} per violation ( FCRA 1681n ) Punitive damages for willful misconduct Actual damages and reimbursement of legal fees ( FCRA 1681o ) Conclusion : The facts are clear. I have followed every legal procedure available to me. I have submitted an FTC Report, provided proof of address, identity, and account inaccuracy. Still, these accounts remain. If these agencies and furnishers do not immediately and fully delete the XXXX XXXX and XXXX XXXX accounts from all reports, I will escalate this matter aggressively. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR 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