Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Subject : Violations by Experian under 15 U.S.C. 1681i, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), and 15 U.S.C. 1681o Including Breach of Consumer Data Security Obligations This complaint is submitted on behalf of myself XXXX XXXX XXXX, a consumer whose rights under federal law have been materially violated by Experian through ( 1 ) the continued reporting, maintenance, and failure to properly reinvestigate inaccurate information on my credit file, and ( 2 ) the companys admitted failure to safeguard sensitive consumer data as evidenced by the well-documented Experian data breach, which compromised the personal identifying information of countless American consumers including myself Pursuant to 15 U.S.C. 1681i, Experian has a non-discretionary statutory duty to conduct a reasonable reinvestigation of any disputed item to determine its accuracy, completeness, and continued validity. Despite formal disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ), Experian failed to comply with these federal mandates, neglected to verify the accuracy of disputed data, and continued to report unverifiable and erroneous information, in direct violation of f...

Furthermore, the Experian data breach reflects a pattern of negligent and reckless conduct toward consumer protection obligations. The companys failure to maintain proper data security controls constitutes both a breach of fiduciary and statutory duty, as it knowingly placed consumer identitiesincluding that of myself XXXX XXXX risk of unauthorized disclosure and financial harm. 
Under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), it is a prohibited act for any covered person or service provider to engage in or knowingly permit any unfair, deceptive, or abusive act or practice ( UDAAP ) in connection with a consumer financial product or service. Experians conductcontinuing to furnish inaccurate data following notice of dispute and failing to protect the integrity of personal datameets this statutory definition of unfair and deceptive practices under federal law.

Additionally, 15 U.S.C. 1681o provides that any person or entity that negligently fails to comply with the requirements imposed under the FCRA is liable to the consumer for actual damages sustained, together with costs and reasonable attorneys fee
s. Experians negligence in both data handling and statutory reinvestigation processes establishes full civil liability under this provision.

Accordingly, this submission demands that the Consumer Financial Protection Bureau ( CFPB ) take enforcement action against Experian, compel the immediate removal of unverifiable or inaccurate information, and impose full regulatory penalties for Experians reckless disregard of consumer data security and statutory obligations under 15 U.S.C. 1681i, 15 U.S.C.

1681o, and 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B )

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