Consumer complaint received 2025-08-15 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 : Formal Complaint and Demand for Oversight Systemic Violations of FCRA by Credit Bureaus XXXX CFPB 's Failure to Enforce Consumer Protections To Whom It May Concern, This letter serves as a formal complaint against Experian as well as a notice of concern directed at the Consumer Financial Protection Bureau ( CFPB ) for failing to adequately regulate and enforce the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. Code XXXX et seq. 

Despite multiple disputes submitted to the credit bureau in accordance with XXXX U.S.C. XXXX ( a ), the agency has repeatedly verified erroneous, outdated, and unverifiable information without conducting a reasonable reinvestigation, failing to provide the required method of verification, and refusing to remove items that are clearly in violation of the law. 

This credit bureaus is in systemic violation of : FCRA XXXX ( a ) Failure to conduct reasonable reinvestigations FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX ( f ) Allowing unauthorized inquiries and access to credit reports FCRA XXXX ( a ) ( XXXX ) Failing to delete unverifiable information Furthermore, despite the XXXX mandate to enforce these statutes, it has failed to hold the agency accountable for their repeated and willful noncompliance. This lack of enforcement has enabled the CRAs to continue using automated verification systems that blatantly disregard consumer rights, resulting in credit damage, financial hardship, and legal exposure for affected individuals. 

The bureau continues to violate federal law, disregard published court precedent such as : XXXX XXXX TransUnion  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) ... and yet face no apparent consequence or directive to change these practices. The responsibility to protect consumers under the FCRA rests not only with the credit bureaus, but also with the CFPB as the primary enforcement body. To date, that responsibility has not been fulfilled in this case. 

This complaint demands : Immediate regulatory intervention into the reinvestigation practices of the CRAs A formal review of CFPB enforcement policy related to recurring FCRA violations A full investigation into the CRAs ' automated dispute systems and their compliance with federal law Written confirmation from the CFPB acknowledging receipt of this complaint and steps to be taken I am prepared to escalate this matter through additional channels, including the FTC, state attorneys general, and federal court, should the CFPB continue to fail in its legal duty to protect consumers.

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