Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
bXXXX XXXXDate of BirthXXXX XXXXSSN (Last 4 Digits): XXXXCurrent Address: XXXX XXXX XXXX XXXX XXXX OH XXXXPhone Number: XXXX XXXXEmail Address: XXXXComplaint Summary:XXXXI am submitting this complaint against the three major credit bureausExperian, Equifax, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act (FCRA) and failure to comply with Metro 2 Format and CDIA industry standardsXXXXDespite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C.  1681i(a).XXXXInstead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.XXXXViolations and Legal BasisXXXXThe following violations form the basis of this complaint:XXXX15 U.S.C.  1681e(b)  Failure to maintain reasonable procedures to assure maximum possible accuracyXXXX15 U.S.C.  1681i(a)  Failure to conduct a reasonable reinvestigationXXXX15 U.S.C.  1681s-2(b)  Furnisher failure to correct or delete disputed information\XXXXMetro 2 and CDIA Guidelines  Failure to comply with reporting format and data integrity standardsXXXXFurther, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent:XXXXA credit reporting agency may not rely blindly on the [furnisher\'s] investigation. The agency has an obligation to conduct a reasonable investigation itself.XXXX Cushman v. Trans Union Corp., 115 F.3d 220 (3rd Cir. 1997)XXXXHistorical CFPB Enforcement Actions for Reference:XXXXThis is not an isolated incident. The CFPB has already issued enforcement actions against these same entities:XXXXCFPB v. Experian (XXXX: For misleading consumers and failing to properly investigate disputes.XXXXCFPB v. Equifax XXXX For failure to correct inaccurate data and deceptive practices.\XXXXThese cases show a pattern of noncompliance that persists despite regulatory intervention.XXXXNature of the Disputed Items:XXXX  am disputing the following categories of data, which have been verified without sufficient documentation:XXXXLate payments\XXXXCharge-offsXXXXCollections\XXXXHard inquiries\XXXX XXXX (unvalidated promissory notes or balances)XXXXDuplicated or fragmented tradelinesXXXXIncorrect personal identifiers (past addresses, name variations)XXXXIn each case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA  1681i.XXXXReal-World Harm:XXXXBecause of these inaccuracies, I have suffered the following adverse effects:XXXXDenied financing for [mortgage/car/personal loan]\XXXXHigher interest rates on approved creditXXXXReputational damage due to reported delinquenciesXXXXEmotional distress caused by repeated, unlawful verification responses\XXXXThese harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.\XXXXRelief RequestedXXXXI am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to:XXXXImmediately delete all negative items previously disputed that cannot be verified with complete documentation\XXXXCease reporting unverifiable data and require original source validation for all disputesXXXXRe-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigationXXXXCertify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information\XXXXAttached Supporting Documentation:XXXXFull copies of my most recent credit reportsXXXXCopies of past dispute letters sent to each bureau\XXXXGovernment-issued ID and proof of current addressXXXXScreenshots and written confirmations showing prior verified outcomesXXXXRecords of denials or increased interest rates tied to inaccurate dataXXXXDeadline for Resolution:XXXX request full resolution within 15 business days. If this matter is not resolved in compliance with 15 U.S.C.  1681i, I will pursue private legal action under FCRA  1681n (willful noncompliance) and 1681o (negligent noncompliance), including all applicable damages and legal feesXXXXThe FCRA was enacted to protect consumers like myself from exactly this type of systemic abuse. The current credit reporting ecosystem fails to meet basic legal standards, and this complaint serves as both a call to action and formal demand for enforcement. I respectfully request the CFPB to hold these entities accountableXXXX 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