Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). I disputed inaccurate and potentially fraudulent information on my credit report, and Experian responded with a generic " verified as accurate '' notice without providing any meaningful description of the method of verification or evidence from the original creditor, as required by law.

Violations : Failure to Investigate in Good Faith : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes information. A verified response without detail or documentation does not meet this threshold.

Failure to Provide Method of Verification : Per 15 U.S.C. 1681i ( a ) ( 7 ), upon request, Experian must provide a description of the procedure used to determine the accuracy and completeness of disputed information. Experian failed to comply with this when I formally requested it, violating my consumer rights.

Willful Noncompliance Subject to Damages : Experians disregard of its duties constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to statutory and punitive damages.

Negligent Noncompliance Subject to Actual Damages : Alternatively, their negligence triggers damages under 15 U.S.C. 1681o.

Failure to Delete Inaccurate Information : Experian has continued reporting inaccurate data without proper verification, violating 15 U.S.C. 1681e ( b ) by not following reasonable procedures to assure maximum possible accuracy.

Supporting Legal Precedent : There is a pending class action lawsuit : In re Experian Data Breach Litigation, No. 8:15-cv-01592 ( C.D. Cal. ), and other cases ( including Dennis v. BEH-1 LLC d/b/a Experian, where Experians automated verification system has been criticized for failing to meet the legal requirements for reinvestigation ).

Experians pattern of conduct shows a systemic failure to comply with its legal obligations under the FCRA, relying on automated systems that rubber-stamp creditor data instead of conducting a meaningful investigation. This undermines consumers rights and the integrity of the credit reporting system.

Requested Relief : I demand a thorough, manual reinvestigation of the disputed item ( s ), including contact with the original data furnisher.

I request that Experian provide a written and specific method of verification used in accordance with 1681i ( a ) ( 7 ).

I urge the CFPB to investigate Experians practices, as their violations are widespread and willful.

I reserve the right to pursue legal action and/or join a class action suit against Experian for these repeated 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