Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite multiple attempts over the years to resolve numerous inaccuracies on my consumer credit file, Experian Transunion and Equifax has willfully failed to remove false and unverifiable information. Their refusal to correct these inaccuracies has caused me and my family multiple credit denials, severe emotional distress, termination of employment, which led to loss of income and severe personal hardship. These consequences are a direct result of their failure to uphold obligations under federal law. 15 U.S.C. 1681e ( b ) Experian Transunion and Equifax are legally required to follow reasonable procedures to assure maximum possible accuracy of information it reports. Repeated failure to remove unverified, inaccurate, or obsolete data is a direct violation of this requirement. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Experian Transunion and Equifax is required to provide a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and phone number of any furnisher contacted. Experian 's failure to provide such methods of reinvestigation is another statutory violation. 15 U.S.C. 1681b ( a ) ( 2 ) / 604 ( a ) ( 2 ) No consumer report may be furnished unless the consumer has given written instructions. They have repeatedly failed to ensure proper authorization exists before releasing my report to certain parties. 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Under the FCRA, any willful noncompliance entitles a consumer to actual damages or statutory damages of {$1000.00} per violation, and punitive damages when appropriate. Experian 's persistent negligence warrants full compensation. 15 U.S.C. 1681n ( a ) ( 3 ) Experian Transunion and Equifax are further liable for all attorney fees and court costs should this proceed to litigation. Congressional Intent : 15 U.S.C. 1681 602 ( a ) The very purpose of the FCRA is to require CRAs to meet the needs of commerce in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. Experian Transunion and Equifax has blatantly failed to uphold these principles, resulting in direct harm to my livelihood and access to credit. In addition, they have refused to remove accounts where furnishers have failed to establish proper standing or provide proof that they are the holder in due course. According to Uniform Commercial Code 3-302, only a party with lawful and provable ownership of a debt may legally demand payment. Their continued reporting of unverified claims from unknown entities is fraudulent. Due to their continued refusal to correct or remove inaccurate information : I have been denied credit. I have been unable to purchase a vehicle for my family. I have suffered loss of income, terminated employment, and emotional distress due to stress and embarrassment.

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