Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and FCRA Violations by Experian, TransUnion, and Equifax To Whom It May Concern, I am writing to file a formal complaint against Experian, TransUnion, and Equifax for their continued failure to maintain accurate and verifiable information on my credit reports, as required under federal law. 

Despite submitting multiple dispute letters and requests to all three bureaus, several accounts remain on my credit reports that contain inaccurate statuses, belong to someone else, or were the result of identity theft due to data breaches beyond my control. Additionally, my personal information has not been updated as requested, and I have received no adequate responses or resolutions within the timeframes mandated by law. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain maximum possible accuracy of the information they report. The continued presence of inaccurate accounts and outdated personal data directly violates this provision.

FCRA, 15 U.S.C. 1681i ( a ) : Upon receiving a consumer dispute, the credit bureaus must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information within 30 days. My disputes have not been resolved within this legal window, and some have received no meaningful investigation or response at all.

FCRA, 15 U.S.C. 1681c : Outdated negative information, including certain accounts or collections, must not be reported beyond the prescribed time limits. If such entries remain, this too is a violation.

Fair and Accurate Credit Transactions Act ( FACTA ) : With my personal data having been exposed in multiple high-profile data breaches, I have become a victim of identity theft. The credit bureaus failure to take extra precautions and flag or suppress fraudulent information further violates the protections provided under FACTA. 
Harm Experienced : This negligent handling of my credit file has severely impacted my ability to provide for my family. My credibility has been damaged, and I have been unable to purchase a home due to inaccurate and unverified negative items. The credit reporting agencies have shown a pattern of willful non-compliance with federal regulations and a lack of care toward consumers rights and livelihoods. 

Request for Relief : A full investigation into Experian, TransUnion, and Equifaxs handling of my disputes and requests Immediate correction or permanent deletion of all inaccurate, unverifiable, or fraudulent information An audit of the dispute process to determine procedural failures Enforcement actions and penalties where appropriate I respectfully request that the CFPB intervene and hold these agencies accountable to ensure my credit profile reflects only accurate, verifiable, and lawful information. I am attaching copies of my previous disputes and correspondence for your review. 

Thank you for your time and attention to this matter. I look forward to your response and action. 

Kind regards, XXXXXXXX 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