Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this formal complaint against the XXXX major consumer reporting agenciesEquifax, Experian, and XXXX their ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The credit bureaus are reporting inaccurate and harmful negative information on my consumer reports, which directly stems from accounts that were compromised due to data breaches ( both recent and from prior years ). Despite these breaches, the bureaus continue to report these accounts without verifying the accuracy or legitimacy of the debts. This practice is unlawful and in violation of multiple sections of the FCRA. 
Specific Accounts in Dispute XXXX XXXXXXXX ( Closed ) XXXX missed payments XXXX  ( Closed ) XXXX missed payments Chime-Stride ( Closed ) XXXX missed payment Additionally, there are hard inquiries from the following creditors that I do not recognize as authorized or valid : XXXX XXXX ( XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX These accounts and inquiries are being reported despite the fact that my personally identifiable information has been exposed in data breaches, making them unreliable indicators of my creditworthiness. 
FCRA Violations 15 U.S.C. 1681e ( b ) The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of information. Continuing to report accounts tied to known breaches and unverifiable debts fails this requirement. 
15 U.S.C. 1681i ( a ) Upon notice of dispute, the bureaus must conduct a reasonable reinvestigation. The repeated reporting of these accounts despite disputes suggests they are failing to conduct a lawful reinvestigation.

15 U.S.C. 1681c ( a ) Certain obsolete information can not be reported. Negative accounts resulting from identity theft or compromised data should not remain on my report.

15 U.S.C. 1681i ( c ) The bureaus are required to note that the information is disputed in the credit file, which has not been properly done. 
Requested Relief Immediate removal of the disputed accounts and inquiries listed above. 
A full reinvestigation into the reporting of these accounts, with verification directly from the creditors. 
A written explanation from each credit bureau detailing the procedures used to verify the accounts, as required under the FCRA. 
XXXX from the CFPB to ensure compliance and accountability. 
The continued reporting of these items is causing me financial harm, denial of credit opportunities, and reputational damage. I request that the CFPB intervene to enforce my rights under the FCRA and require the credit bureaus to correct their practices. 
Thank you for your attention to this matter.

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