Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Against : - Experian Information Solutions , Inc . 
- Equifax Information Services, LLC - TransUnion LLC Subject : Violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) Summary of Complaint I am filing this complaint because all three nationwide credit reporting agencies Experian, Equifax, and TransUnion are willfully violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act ( 12 U.S.C. 5536, 5564, 5565 ) by reporting inaccurate, unverifiable, and outdated information on my credit reports. 

Despite multiple disputes, they continue to : - Report unauthorized hard inquiries. 
- Report student loans and auto loans inaccurately ( false late payments, incorrect balances, reinserted accounts ). 
- Report collections and charge-offs without verification. 
- Report false late payments and derogatory accounts. 
- Report incorrect personal information ( old addresses, name variations, outdated employers ). 
- Fail to conduct a reasonable reinvestigation under FCRA 1681i ( a ).

This has caused me financial harm, including denial of credit, higher interest rates, emotional distress, and damage to my reputation.

Legal Basis for Complaint - FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. 
- FCRA 1681i ( a ) : Requires timely and reasonable reinvestigation of disputed items.

- FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable or inaccurate information.

- FCRA 1681c : Prohibits obsolete information beyond reporting periods.

- CFPA 5536 : Prohibits unfair, deceptive, or abusive acts and practices. 

Evidence of Systemic Misconduct XXXX. Experian : - Currently facing CFPB lawsuit ( Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. 8:25-cv-00024, Jan. 7, 2025 ) for failing to properly investigate disputes, re-inserting deleted tradelines, and reporting unverifiable data.

2. Equifax : - Subject to a CFPB Consent Order ( XXXX XXXX, XXXX ) and fined {$15.00} XXXX for mishandling consumer disputes, failing to forward evidence, and reinserting unverifiable information. 
XXXX. TransUnion : - Fined {$23.00} XXXX by CFPB and FTC ( XXXX XXXX ) for mishandling credit freezes, failing to accurately process disputes, and reporting false or unverifiable data. 

These enforcement actions demonstrate a pattern of systemic misconduct that mirrors my personal experience. 

Relief Requested I respectfully demand the following remedies : XXXX. Immediate Deletion of Inaccurate Information from all three credit reports, including : - Unauthorized hard inquiries ( XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Inaccurate XXXX  loan reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
- Inaccurate auto loans ( XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ). 
- Collections/Charge-offs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- False late payments reported across my accounts. 
- Incorrect personal information ( XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX * XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ). 
XXXX. Monetary Compensation for damages I have suffered due to violations of FCRA and CFPA, including but not limited to : - Emotional distress.

- Higher costs of credit and denials of financing. 
- Time and resources spent disputing false data. 
XXXX. Civil Penalties and Monitoring : Require the credit bureaus to submit proof of compliance with FCRA dispute handling requirements and impose penalties for continued violations.

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