Consumer complaint received 2025-07-13 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: WA

Complaint narrative:
Formal Complaint Against Experian, XXXX, and XXXX  for Systemic FCRA Violations, Sham Investigations, and Noncompliance with Federal and Industry Standards Complaint Summary I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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 ).

Instead, 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.

Violations and Legal Basis The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) : Furnisher failure to correct or delete disputed information Metro 2 and XXXX Guidelines : Failure to comply with standardized reporting format and data integrity practices Legal Precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Historical CFPB Enforcement Actions for Reference This is not an isolated incident. The CFPB has previously issued enforcement actions against these same agencies : CFPB v. Experian ( 2017 ) : Misleading consumers and failing to properly investigate disputes CFPB v. Equifax ( 2019 ) : Failure to correct inaccurate data and engaging in deceptive practices These cases demonstrate a clear, documented pattern of noncompliance.

Nature of the Disputed Items I am disputing the following categories of data, which were verified without sufficient documentation : Late payments Charge-offs Collections Hard inquiries Student loans ( unvalidated promissory notes or balances ) Duplicated or fragmented tradelines Incorrect personal identifiers ( e.g., outdated addresses, name misspellings ) In every case, the credit bureaus have failed to provide verifiable proof from the original creditor, servicer, or data furnisher. As such, the continued inclusion of these items violates FCRA 1681i.

Real-World Harm Due to the bureaus refusal to properly investigate, I have experienced : Denial of financing for a mortgage and auto loan Excessively high interest rates on approved credit Reputational damage from reported delinquencies Emotional distress due to repeated unlawful verification responses These harms are measurable, preventable, and the direct result of willful negligence.

Relief Requested I respectfully request that the CFPB take enforcement or supervisory action and require Experian, XXXX and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete and original documentation Cease reporting unverifiable or outdated data Reform dispute procedures and prohibit sole reliance on e-OSCAR without a human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updates Attached Supporting Documentation Full copies of my most recent Experian, XXXX, and XXXX  credit reports Copies of past dispute letters submitted to each bureau A copy of my government-issued ID and proof of address Screenshots and email confirmations of prior verified dispute outcomes Records showing denial of credit and interest rate hikes due to false or outdated data Deadline for Resolution I request full resolution of this matter within 15 business days. If it is not resolved in accordance with 15 U.S.C. 1681i, I will initiate private legal action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and pursue statutory, actual, and punitive damages along with legal fees. 

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