Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Summary for a CFPB Complaint This summary is for a complaint to be filed with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of inaccurate accounts reported on your credit reports with Equifax, TransUnion, and Experian. 

Purpose of the Complaint : This complaint asserts that the XXXX major credit XXXX  TransUnion, and XXXX failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper and reasonable investigation into your previous disputes regarding inaccurate information on your credit reports. The inaccurate accounts you are disputing are : [ List each inaccurate account by name, account number, and the specific reason for the dispute. For example : " Account name : XXXX XXXX, Account XXXX XXXX XXXXXXXX. Reason for dispute : This account was paid in full on [ date ] but is still being reported as delinquent. '' ] [ List the second inaccurate account ] [ List the XXXX  inaccurate account ] The failure to properly investigate and remove these errors has caused you financial harm, including [ mention any specific harms you've experienced, such as denial of credit, higher interest rates, etc. ]. 

Legal Basis for the Complaint ( FCRA ) : The complaint is based on the credit bureaus ' failure to comply with the FCRA, which requires them to : Conduct a " reasonable reinvestigation '' of disputed information. 

Remove or correct any information that is found to be inaccurate, incomplete, or unverifiable. 

Provide you with the results of their investigation. 

CFPB 's Actions Against Credit Bureaus : The CFPB has a history of taking enforcement actions against the credit bureaus for similar violations of the FCRA. This history demonstrates that the CFPB takes these issues seriously and provides a strong precedent for your complaint. 

Recent lawsuits and actions by the CFPB against the credit bureaus include : CFPB XXXX Experian : The CFPB has sued Experian, alleging it conducted " sham investigations '' of consumer disputes. The complaint alleges that Experian did not properly process disputes, failed to forward all relevant information to the furnishers, and improperly reinserted inaccurate information onto consumer reports. 

CFPB v. Equifax : The CFPB has taken action against Equifax, ordering them to pay a penalty for improper investigations of credit reporting errors. The CFPB found that Equifax ignored consumer evidence, used flawed software, and allowed previously deleted inaccuracies to be reinserted into reports. 

These enforcement actions highlight the XXXX XXXX focus on ensuring that credit bureaus comply with the law and properly handle consumer disputes. Your complaint will add to the body of evidence that these bureaus are failing to uphold their legal duties and will seek to hold them accountable for the inaccurate information on your credit report

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