Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding the consumer reporting agency that furnished information used in a credit denial dated XX/XX/year>. 

I am a Washington State consumer. On XX/XX/year>, I received a formal Statement of Credit Denial from XXXX XXXX, located at XXXX XXXX XXXX, XXXX, WI XXXX. The notice states that adverse action was taken based in whole or in part on information obtained from a consumer reporting agency. 

The notice identifies Clarity Services , Inc. as the consumer reporting agency used and states that my credit score and key risk factors were derived from that report. However, the primary and dispositive reason cited for the denial is described as a lack of sufficient relevant account information at Experian. This same Experian-specific reference is also listed as a key factor affecting the credit score used in the decision.

This disclosure raises serious concerns regarding accuracy, completeness, attribution, and transparency under the Fair Credit Reporting Act. 

First, the adverse action notice issued by XXXX XXXX references Experian-specific deficiencies while identifying only XXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer reporting agency relied upon. If Experian data was used directly, indirectly, merged, cross-referenced, or incorporated into the report or score furnished, that relationship was not clearly or fully disclosed. If Experian data was not used, then referencing Experian as the basis for denial is inaccurate and misleading. The notice does not explain how Experian-related information factored into the decision or which entity is responsible for the accuracy of that data. 

Second, the stated reason lack of sufficient relevant account information at Experian is vague and non-specific. It does not identify what account information was allegedly missing, what category of information was reviewed, what time period was considered, or whether the issue relates to absence of data, disputed data, suppressed data, or negative data. As a consumer, I am unable to meaningfully understand, verify, or dispute the basis of the adverse action taken by XXXX XXXX using the information provided. 

Third, the notice fails to clearly identify the consumer report relied upon. It does not specify the report date, whether a single report or combined data sources were used, or the scope of information reviewed. Without this information, I can not determine what data was furnished to XXXX XXXX or whether it was accurate and complete at the time of use. 

Fourth, a proprietary XXXX XXXX and key risk factors were used in the adverse decision, yet the disclosure does not explain the data inputs or reporting sources underlying that score. I am not requesting proprietary algorithms. I am requesting lawful transparency regarding the sources and scope of data used to generate the score that materially affected XXXX XXXX determination. 

XXXX, the notice asserts that I did not score sufficiently compared to other applicants, yet the comparative scoring reasons are left blank. This omission undermines the meaningfulness of the adverse action explanation and prevents me from understanding how XXXX XXXX reached its decision. 

XXXX, the disclosure does not clarify whether disputed, restricted, or recently corrected information was considered. If Experian-related data was under dispute, restricted, or otherwise limited at the time the information was furnished and relied upon by XXXX XXXX, that context is material and should have been disclosed. 

Finally, to the extent that Clarity Services XXXX XXXX operates as an affiliate, subsidiary, or data partner of Experian, the nature of that relationship and the flow of consumer data were not disclosed in a manner that allows me to identify which entity bears responsibility for accuracy, reinvestigation, and correction obligations. 

I am requesting that the CFPB require the consumer reporting agency involved to : XXXX. Identify all consumer reporting agencies, databases, affiliates, or data sources whose information was furnished, accessed, or relied upon in connection with XXXX XXXX adverse action. 
XXXX. Clarify whether Experian data was used directly or indirectly, and if so, explain how that data was incorporated. 
XXXX. Provide the date and scope of the consumer report and XXXX XXXX furnished to XXXX XXXX. 
XXXX. Describe with specificity what information was allegedly lacking or insufficient, including the accounts, categories, and reporting periods involved. 
XXXX. Verify the accuracy and completeness of the data furnished and confirm which entity is responsible for reinvestigation and correction. 
XXXX. Correct or remove any inaccurate, misleading, incomplete, or improperly attributed information. 

This complaint is submitted in good faith for verification and compliance purposes only. It does not constitute an admission of the accuracy of the reported information or acceptance of the adverse determination. I am seeking lawful transparency, accuracy, and accountability as required under federal consumer protection laws. 

I request that all responses be provided in writing.

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