Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Formal Complaint Against Equifax, Experian, and TransUnion for FCRA Noncompliance and Failure to Provide Verification Documentation Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax Information Services LLC, Experian Information Solutions , Inc., and TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection statutes.

Since early 2024, I have filed numerous disputes with these credit bureaus concerning inaccurate information and unauthorized transactions reported on my credit file. Despite these repeated efforts, each bureau has responded with generic statements claiming that their investigations are complete and that the disputed accounts or transactions have been verified as accuratewithout providing any explanation, documentation, or lawful verification procedures as required by federal law.

In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I submitted formal written requests demanding the following : A detailed description of the reinvestigation and verification procedures used.

Documentation reviewed during the verification process.

Written confirmation from the data furnishers validating the legitimacy of the disputed accounts.

Proof that I provided explicit consent under 15 U.S.C. 1681b to report my personal financial information.

Clarification on whether my personal information was shared in violation of 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

Confirmation of compliance with 15 U.S.C. 1601, 1692, and 18 U.S.C. 1028A, including provisions related to identity theft and deceptive collection practices.

To date, Equifax, Experian, and TransUnion have failed to respond adequately, nor have they removed the inaccurate or unverifiable items from my credit report. These ongoing failures suggest that no meaningful reinvestigation was conducted and that these agencies are relying solely on unverifiable or unsubstantiated information provided by the original creditorsa practice that constitutes willful noncompliance with the FCRA.

I have attached three letters that I previously sent to the credit bureaus requesting detailed verification and compliance information. To date, I have received no response to either communication.

This pattern of negligence has had a significant impact on my financial standing and personal well-being. I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take immediate action to ensure these agencies meet their obligations under the law. I also request that any unverifiable or inaccurate information be permanently removed from my credit reports.

Please advise if any additional information or documents are required. I appreciate your time and assistance in helping to resolve this matter and enforce my rights under federal law.

Sincerely,

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