Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am filing this complaint regarding significant violations by the credit reporting agencies related to my credit reports. The CFPB has jurisdiction over this matter pursuant to its authority under the XXXX XXXX XXXX Reform and Consumer Protection Act, 12 U.S.C. 5481 et seq., which grants the CFPB the power to enforce federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to address unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions and credit reporting agencies. Below is a detailed summary of the issues, including specific violations of federal laws : Violations by Credit Reporting Agencies 1. Failure to Conduct a Reasonable Investigation : - I disputed inaccurate late payments reported by XXXX with all three major credit reporting agencies ( Equifax, Experian, and TransUnion ). - Despite providing evidence, including proof of a {$9000.00} refund from XXXX, the agencies failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA. 2. Re-Insertion of Inaccurate Information Without Notification : - TransUnion, and Experian deleted the XXXX account from my credit report twice but re-inserted it without notifying me in writing, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. - Similarly, TransUnion, Experian, and Equifax reinserted a fraudulent account from XXXX XXXX after I disputed it and provided evidence of its inaccuracy. This reinsertion without proper verification or notice is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 3. Failure to Ensure Accuracy of Credit Reports : - All credit reporting agencies continued to report inaccurate late payments despite my disputes and evidence proving the inaccuracies. - This constitutes a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of consumer credit reports. 4. Ignoring FTC Fraud Report and Disputes : - I filed an FTC fraud report and submitted 10 separate disputes regarding inaccuracies related to XXXX 's, and XXXX accounts. The credit reporting agencies ignored these disputes and failed to take corrective action to remove the inaccurate information from my credit report. - Additionally, the agencies failed to provide the information I requested regarding their investigation of Discovers violations, further compounding the harm caused by the inaccurate reporting. Impact of Violations - These violations have caused significant harm, including : - Damage to my credit score, which has affected my ability to secure loans and favorable interest rates. - Emotional distress and frustration from the prolonged and unresolved disputes.

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