Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
CFPB COMPLAINT Consumer Financial Protection Bureau ( CFPB ) Category : Credit Reporting / Data Furnishing / Consumer Data Privacy Sub-Category : Incorrect Information / Improper Use of Credit Report / Failure to Investigate ________________________________________ 1. SUMMARY OF THE ISSUE I am filing this complaint because multiple consumer reporting agencies ( CRAs ) and third-party data furnishers have reported, published, furnished, shared, or disseminated consumer information about me without my authorization, without a permissible purpose, and without verifying accuracy, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the GrammLeachBliley Act ( GLBA ). 
Despite multiple written disputes and demands for reinvestigation, the companies involved failed to conduct a lawful reinvestigation, failed to provide any verification, and continued reporting and re-reporting disputed information. 
________________________________________ 2. COMPANIES INVOLVED XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
________________________________________ 3. DETAILS OF THE VIOLATIONS A. Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) These companies furnished and reported information that is inaccurate, incomplete, and unverified, violating the FCRAs requirement to maintain reasonable procedures to assure maximum possible accuracy.

B. Failure to Reinvestigate FCRA 611 / 15 U.S.C. 1681i I submitted written disputes, including identification, supporting evidence, and multiple reinvestigation requests. 
The CRAs either : failed to respond, responded with automated template letters, or verified information without providing any documentation, even when specifically requested.

C. Failure to Conduct Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) Furnishers were notified by CRAs of my disputes but refused to provide any original documentation, including : contracts, applications, wet-ink signatures, account-level documentation, or any evidence demonstrating that the information belongs to me.

D. Unauthorized Access / No Permissible Purpose FCRA 604 Certain furnishers obtained or shared my data without : my consent, any account with me, any business relationship, or a permissible purpose under the law.

E. GLBA Privacy Violations 15 U.S.C. 68016809 Several entities have transmitted, shared, and disseminated non-public personal information ( NPI ) without my knowledge, authorization, or consent, violating GLBA privacy and safeguard requirements.

F. Continued Reporting After Dispute FCRA 623 ( a ) ( 1 ) ( A ) Even after receiving formal notice of dispute, companies continued to report the same inaccuracies without marking the items as disputed, which is unlawful. 
________________________________________ 4. ACTIONS I HAVE TAKEN I have : Sent certified-mail disputes and reinvestigation requests Requested verification and documentation Demanded copies of original applications and contracts Requested deletion of unverifiable data Sent cease-and-desist notices Requested permanent revocation of authorization to report my information Many of these companies failed to respond within the statutory timeframe, and others responded with form letters that did not address the substance of my disputes.

________________________________________ 5. HARM SUFFERED Due to these violations, I have suffered : Denial of credit and financial opportunities Higher interest rates Emotional distress Loss of economic advantage Invasion of privacy Unlawful dissemination of my private information Ongoing reputational harm This situation is causing continuing damage, and the failure of CRAs and furnishers to correct the records is preventing me from obtaining accurate credit reporting.

________________________________________ 6. DESIRED RESOLUTION I am requesting the CFPB to : ( 1 ) Investigate the above-listed companies for violations of the FCRA, FDCPA, and GLBA.

( 2 ) Require each company to provide : All documents used to verify the disputed items Copies of original signed contracts bearing my wet-ink signature Any and all communications related to reporting activities ( 3 ) Order deletion of any and all information that is : inaccurate, unverifiable, incomplete, unauthorized, or reported without permissible purpose.

( 4 ) Order the companies to : cease re-reporting disputed accounts, permanently remove unauthorized access, implement proper verification procedures, correct their reporting systems and recordkeeping.

( 5 ) Require compliance with all protections under FCRA, FDCPA, and GLBA.

________________________________________ 7. DECLARATION I certify that the information in this complaint is true and correct to the best of my knowledge and belief. 
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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