Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. 

Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. 

Concerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. 

Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. 

Concerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. 

My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. 

My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. 

I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. 

Sincerely, XXXX XXXX XXXX XXXX signature on file )

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