Consumer complaint received 2025-06-07 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: MO

Complaint narrative:
Formal Complaint Failure to Investigate, Data Breach, and FERPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, TransUnion, and XXXX  for failure to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report. 



Despite notifying all XXXX  credit bureaus of outdated, unverifiable, and derogatory information, including numerous late payments and collections, there has been no meaningful change to my credit profile. These items continue to negatively impact my credit standing without lawful verification or response timelines being honored. 



Violations Include : 1. FCRA 1681i Failure to Reinvestigate : The bureaus are required to investigate disputed information within XXXX XXXX  They have not provided verifiable documentation or proof of a proper investigation.

2. FCRA 1681s-2 Reporting Inaccurate Information : Furnishers of information ( such as collection agencies and student loan servicers ) are reporting inaccurate data that remains uncorrected. 

XXXX. Data Breach Gross Negligence : As a victim of a documented data breach involving XXXX, TransUnion, and XXXX, my personal and sensitive financial information was compromised. These breaches put my data at risk and contributed to the ongoing harm to my credit standing. 

4. FERPA Violation Unauthorized Sharing of Student Loan Records : My student loan data ( from Dept of Education/NELN ) has been mishandled, reported inaccurately, and shared without proper consent, violating the Family Educational Rights and Privacy Act ( FERPA ) . 



Harm Done : Due to these violations, I have experienced significant financial harm : - Increased interest rates - Denials of credit - Mental and emotional distress - Invasion of privacy due to the breaches What I Demand : - A full deletion of all unverifiable, inaccurate, and outdated negative items from my credit report immediately. 

- A copy of all verification documentation used to verify the accounts I disputed. 

- A full investigation into the credit bureaus procedures, including how disputes were processed. 

- An explanation for why student loan records have been mishandled in violation of FERPA.

- Appropriate compensation for any damages caused by the data breach and inaccurate reporting. 



Attached is my full credit audit report prepared on my behalf by XXXX XXXX XXXX, which details the continued reporting of these derogatory items despite previous attempts to have them corrected. 



Failure to address this matter will result in further legal action and formal complaints to additional government agencies, including the FTC and Department of Education. 



Respectfully, XXXX XXXX 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