Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. 
XXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. 
XXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. 
This breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.

XXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. 
The potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. 
XXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. 
Anxiety and uncertainty regarding the accuracy of my credit reports. 
Potential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. 
XXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. 
XXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. 
XXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. 
XXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. 
XXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. 
XXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. 
XXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. 
XXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. 
XXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. 
Thank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.

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