Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13855140
Complaint Overview
Complaint ID: 13855140
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 27530
Date Received: 2025-06-02T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB XXXX, I am filing this formal complaint against TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, TransUnion has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe TransUnion is engaging in automated, non-substantive responses using XXXX, and not complying with its obligations under XXXX XXXX. XXXX ( a ). Below is a summary of each issue I have disputed, how TransUnion failed to comply, and the specific relief I am requesting. # # # XXXX. Inaccurate XXXX Payments - Account Name : XXXX Bank XXXX XXXX : TransUnion is reporting XXXX ( XXXX ) XXXX XXXX payments which is inaccurate. My payment history shows no XXXX payments, and I provided my bank statement showing timely payment. TransUnion ignored my evidence. - Account Name : XXXX XXXX - Issue : TransUnion is reporting XXXX ( XXXX ) XXXX XXXX payments which is inaccurate. My payment history shows no XXXX payments, and I provided my bank statement showing timely payment. TransUnion ignored my evidence. - Account Name : XXXX XXXX - Issue : TransUnion is reporting a XXXXXXXX XXXX payment which is inaccurate. My payment history shows no XXXX payments, and I provided my bank statement showing XXXX payment. Transunion ignored my evidence. - Relevant Law Violated : - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to consider all relevant information - XXXX XXXX. XXXX ( b ) Failure to maintain accurate reporting - Demand : XXXX correction and deletion of the XXXX XXXX for All Accounts Listed # # # XXXX. Sham Investigations : Pattern of XXXX I believe TransUnion is relying on XXXX automated responses, which do not satisfy the reasonable investigation standard under FCRA XXXX ( a ). The CFPBs past lawsuits and consent orders against TransUnion and the other bureaus for similar behavior indicate a pattern of systemic XXXX XXXX XXXX XXXX : CFPB vs. Experian, XXXX & XXXX enforcement actions for misleading consumers and failing to conduct proper reinvestigations. -- - # # # Requested XXXX from CFPB : XXXX. Investigate TransUnion investigation practices. XXXX. Require TransUnion to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above. XXXX. Require TransUnion to provide documentation for any item it claims to verify. XXXX. Impose appropriate penalties or sanctions for repeated violations. XXXX. Ensure TransUnion follows all XXXX XXXX and CDIA standards, and refrains from unverifiable data reinsertion. -- - # # # Enclosures Included : - Copies of dispute letters submitted to TransUnion - Supporting documentation ( XXXX XXXX XXXX XXXX XXXX ) Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like TransUnion disregard their legal obligations and cause XXXX to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13855140 about?
Complaint #13855140 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-02T12:00:00-05:00.
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.