Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Complaint Against Experian and Equifax for Failure to Properly Investigate and Correct Inaccurate Information Violations of the FCRA To Whom It May Concern : I am filing a formal complaint against Experian, Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically their failure to conduct reasonable investigations, failure to correct inaccurate information, and failure to provide proper verification of disputed accounts.

1. Summary of the Issue Despite multiple disputes submitted to both Experian, Equifax and TransUnion, they continue to report inaccurate, unverified, and/or incomplete information on my credit report. These errors are causing financial harm, including difficulty obtaining credit, higher interest rates, and reputational damage. 

The following accounts remain on my report even though they are inaccurate and can not be verified by the furnishers : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Reason for Dispute : IDENTITY THEFT/ EQUIFAX DATA BREACH 2. Violations of the Fair Credit Reporting Act Both Experian, Equifax and TransUnion have violated multiple FCRA provisions, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) failure to delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 6 ) failure to provide complete results of reinvestigation, including documentation relied upon.

15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy.

3. Recent CFPB Enforcement Actions Highlight Ongoing CRA Misconduct Recent CFPB actions, enforcement orders, and lawsuits against Experian, Equifax and TransUnion confirm widespread failures by these agencies to handle consumer disputes properly. These actions demonstrate systematic violations similar to what I am experiencing and show that the CRAs are not complying with their legal obligations regarding dispute investigations and consumer file accuracy.

4. What I Requested from the Credit Bureaus I demanded that the CRAs : Investigate my disputes thoroughly and obtain proper verification from the furnishers. 
Provide copies of documentation relied on for any verified as accurate responses. 
Permanently delete any information that can not be verified with original, competent evidence. 
Provide an updated credit report reflecting corrections or deletions. 

They failed to comply. 
5. Harm Experienced Because of these violations, I have suffered : Denial of credit and/or unfavorable credit terms Emotional distress and time burden Difficulty qualifying for housing, loans, or essential services Financial harm due to artificially lowered credit scores 6. Requested CFPB Action I respectfully request that the CFPB : Open an investigation into Experian, Equifax and TransUnion failure to comply with FCRA requirements.

Compel the bureaus to provide verification of the disputed accounts or delete them immediately.

Ensure compliance with all reinvestigation and accuracy-obligation provisions under 15 U.S.C. 1681i and 1681e ( b ).

Require the CRAs to provide me with written confirmation of deletions and a corrected credit report.

Review whether Experian, Equifax and TransUnion are engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) related to dispute processing.

7. Attached Documentation I have included ( or will upload through the CFPB complaint portal ) : Copies of Experian, Equifax and TransUnion credit report pages showing disputed items Copies of all dispute letters I sent Proof of identity Supporting documents ( receipts, statements, police report if applicable, etc.

Any responses received from the CRAs or furnishers 8. Conclusion I request the CFPBs urgent assistance in resolving this matter. Experian, Equifax and TransUnion continue to harm consumers through inaccurate reporting, unreasonable investigations, and failure to comply with their legal obligations. I ask that the Bureau enforce the protections provided to me under the FCRA and hold these agencies accountable. 

Thank you for your attention to this matter.

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