Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am filing a complaint against TransUnion regarding their recent data breach affecting about 4 million consumers, announced in their XXXX XXXX XXXX. My sensitive personal information may have been compromised. 
I formally disputed my credit file with TransUnion, requesting reinvestigation of all items, verification of accuracy, and details on fraud prevention measures. I am not satisfied with their response. 
TransUnion may be violating the Fair Credit Reporting Act ( FCRA ) by : Failing to maintain maximum possible accuracy in my file ; Failing to provide adequate remedies ( fraud alerts, monitoring, identity theft protection ) ; Failing to provide transparency about the breachs impact. 
I request the CFPB investigate TransUnion, require correction of any inaccurate or fraudulent information, and ensure they provide proper consumer protections and remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Re : Complaint Regarding Violation of 15 U.S.C. 1691g ( ECOA Statement of Reasons for Adverse Action ) To Whom It May Concern : I am submitting this complaint pursuant to the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691g, which requires creditors to provide applicants with a written statement of reasons when an adverse action is taken regarding credit.

On [ insert date ], [ insert name of lender/creditor ] took adverse action against me by [ denying my credit application / reducing my credit limit/ closing my account/ increasing my interest rate ]. However, they failed to provide a proper statement of reasons as required by 1691g ( a ). The notice I received was either : Not timely, Vague and insufficient to meet statutory requirements, or Not provided at all.

This failure to comply with ECOA places me at a disadvantage and prevents me from understanding or correcting the basis of the adverse decision. As you know, the law requires creditors to provide specific, accurate, and understandable reasons for adverse actions within the mandated timeframe.

I request that the CFPB : Investigate this matter with [ insert creditor name ].

Ensure that the creditor complies with 15 U.S.C. 1691g.

Require the creditor to provide me with the full and specific reasons for the adverse action.

Consider enforcement actions or penalties as appropriate to protect consumers.

Please keep me informed of the status of this complaint. I am enclosing copies of relevant documents, including the adverse action notice I received ( or a statement that none was provided ).

Thank you for your attention to this matter and for protecting consumers rights under federal law. 
Sincerely, 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