Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) for multiple violations of my rights under federal consumer protection laws. I request the CFPB 's assistance in investigating these matters and obtaining appropriate relief. IDENTITY FRAUD CONCERNS Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information resulting from identity theft. I have identified several accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity fraud. Despite my previous attempts to dispute these items directly with the credit bureaus, they have failed to conduct reasonable investigations as required by 15 U.S.C. 1681i. The credit bureaus have violated my rights under the FCRA by : Failing to follow reasonable procedures to ensure maximum possible accuracy of information in my credit file ( 15 U.S.C. 1681e ( b ) ) Failing to properly investigate my disputes ( 15 U.S.C. 1681i ) Failing to provide proper notice of results of reinvestigations ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Additionally, under the Identity Theft and Assumption Deterrence Act and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to place fraud alerts and credit freezes on my accounts, which I have done, but unauthorized activity continues to appear. DATA BREACHES AND SECURITY CONCERNS All three credit bureaus have experienced significant data breaches that have compromised my personal information : Equifax 's XXXX data breach exposed the personal information of approximately XXXX XXXX consumers, including Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers. Experian has experienced multiple breaches, including a significant breach in XXXX. TransUnion has also reported data breaches affecting millions of consumers. Under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., financial institutions, including credit reporting agencies, are required to protect consumers ' personal financial information and provide notice about their information-sharing practices. The credit bureaus have failed to : Implement adequate safeguards to protect my personal information ( 15 U.S.C. 6801 ( b ) ) Properly notify me of breaches affecting my data ( 15 U.S.C. 6803 ) Furthermore, under the FCRA, they have failed to maintain reasonable procedures to limit the furnishing of consumer reports to legitimate purposes ( 15 U.S.C. 1681e ). MEDICAL DEBT REPORTING VIOLATIONS My credit reports contain medical debt that is being improperly reported in violation of current laws and industry standards. Specifically : Under the No Surprises Act ( effective XX/XX/XXXX ), the credit bureaus are prohibited from reporting medical debt for the first 365 days after the debt becomes delinquent. As of XX/XX/XXXX, the XXXX major credit bureaus have agreed to remove medical debt that has been paid. As of XX/XX/XXXX, the XXXX major credit bureaus are required to exclude medical collection debt under {$500.00} from credit reports. Despite these requirements, my credit reports contain medical debt that : Is less than XXXX year old Has been paid in full but still appears negatively Is under {$500.00} but still appears on my reports Additionally, these medical debts may violate my rights under the Health Insurance Portability and Accountability Act ( HIPAA ), which limits how medical information can be shared. FAILURE TO MAINTAIN ACCURATE RECORDS Beyond the specific issues mentioned above, my credit reports contain numerous other inaccuracies that the credit bureaus have failed to correct despite my disputes. These inaccuracies include : Accounts that do not belong to me Incorrect payment statuses Duplicate accounts Outdated negative information beyond the 7-year reporting period allowed by the FCRA ( 15 U.S.C. 1681c ) The credit bureaus have violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy of the information in my consumer reports ( 15 U.S.C. 1681e ( b ) ). REQUESTED RELIEF Based on these violations, I request that the CFPB require the credit bureaus to : Conduct proper investigations of all my disputed items within 30 days as required by law Remove all fraudulent accounts and inaccurate information from my credit reports Remove all medical debt in accordance with current laws and industry agreements Provide me with free credit monitoring services for a period of 5 years Implement stronger safeguards to protect my personal information Provide monetary compensation for damages I have suffered as a result of these violations Under the FCRA, I am entitled to actual damages, statutory damages, punitive damages, and attorney 's fees for willful noncompliance ( 15 U.S.C. 1681n ). I have attached copies of my credit reports highlighting the disputed items and documentation of my previous dispute attempts with the credit bureaus. Thank you for your attention to this matter. I look forward to your response and assistance in resolving these serious violations of my consumer rights. Sincerely, XXXX XXXX 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