Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/24 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax , TransUnion, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax, TransUnion, and Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681i ( d ) ( 2 ) ( I ), 15 U.S.C. 1681b, and 15 U.S.C. 1681o, through negligent investigation practices and unauthorized credit reporting activities. 



Violations and Issues 1. Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( d ) ( 2 ) ( I ) ) I have disputed inaccurate information on my credit reports with all three major credit bureaus. Despite providing sufficient evidence, the bureaus failed to conduct a reasonable and thorough reinvestigation as required by law. 

They either refused to correct the errors or verified inaccurate information without proper validation. 

Their failure to reinvestigate my dispute in good faith has directly harmed my creditworthiness. 

2. Unauthorized Access to My Credit Report ( 15 U.S.C. 1681b ) My credit report has been accessed by entities that did not have a permissible purpose under the FCRA. 

The credit bureaus have failed to prevent or rectify these unauthorized inquiries, despite my direct disputes. 

3. Civil Liability for Negligence ( 15 U.S.C. 1681o ) Due to their negligence in investigating and correcting inaccurate data, the credit bureaus have caused financial and reputational damage. 

I have suffered from [ mention specific damages, such as loan denials, higher interest rates, emotional distress, or loss of financial opportunities ] due to their noncompliance. 



Requested Actions I request that the CFPB investigate these violations and hold Equifax, TransUnion, and Experian accountable for their negligent and unlawful actions. Specifically, I ask that the following actions be taken : 1. Immediate and thorough reinvestigation of my disputes in compliance with 15 U.S.C. 1681i. 

2. Removal or correction of all inaccurate and unverifiable information on my credit reports. 

3. Elimination of unauthorized credit inquiries that violate 15 U.S.C. 1681b. 

4. Possible legal and financial penalties for noncompliance under 15 U.S.C. 1681o. 



Supporting Evidence I have attached copies of my dispute letters, credit reports, responses from the credit bureaus, and any other relevant documentation to support my claim. 



I appreciate your prompt attention to this matter. Please provide me with updates regarding the status of my complaint. If necessary, I am prepared to escalate this issue legally to ensure compliance with the Fair Credit Reporting Act and protect my consumer rights. 



Sincerely, 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