Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11937325
Complaint Overview
Complaint ID: 11937325
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Michigan
ZIP Code: 482XX
Date Received: 2025-02-04T12:00:00-05:00
Date Sent to Company: 2025-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Urgent Complaint Against Experian, Equifax, and TransUnion for FCRA Violations & Deceptive Practices Dear CFPB Representative, I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite providing substantial documentation, these credit bureaus have engaged in repeated deceptive practices, reinserting previously deleted fraudulent accounts, failing to block identity theft-related items, and refusing to remove unauthorized inquiries and inaccurate personal data. Violations & Consumer Harm : XXXX. Failure to Block Fraudulent Accounts ( FCRA 605B ) * I submitted an FTC Identity Theft Report and Police Report, which legally mandates credit bureaus to block fraudulent accounts within four business days. * TransUnion, Experian, and Equifax failed to comply and instead allowed creditors to " verify '' fraudulent accounts without actual evidence. XXXX. Reinsertion of Previously Deleted Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were previously deleted due to fraud but were reinserted without notice, a direct FCRA violation. XXXX. Failure to Remove Unauthorized Inquiries & Personal Information * Despite multiple disputes, fraudulent inquiries remain on my report, affecting my credit score. * Incorrect phone numbers and addresses linked to fraudulent activity remain on my file. XXXX. Re-Aging of Debt ( FCRA 623 ( a ) ( 2 ) ) XXXX XXXX XXXX, and XXXX XXXX re-aged accounts, making them appear more recent and damaging my credit. XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) XXXX The CRAs simply parrot back creditor responses without requiring proper validation. * Under FCRA 609 ( a ) ( 1 ), I am entitled to documentation that creditors used to verify the debts, but the CRAs have failed to provide any proof. Requested Relief & Compensation : XXXX. Permanent Removal of Fraudulent Accounts & Unauthorized Inquiries XXXX. Full compliance with FCRA by blocking identity theft-related items immediately XXXX. Compensation for Financial & XXXX XXXX ( XXXX XXXXXXXX actual & statutory damages ) XXXX. Investigation into deceptive practices by these CRAs and enforcement action I demand immediate action on this complaint. If no resolution is reached, I am prepared to escalate this matter further, including legal action against the credit bureaus. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11937325 about?
Complaint #11937325 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.