Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX XXXX. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated XXXXXXXX  system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : XXXX U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Historical CFPB Enforcement Actions for Reference : This is not an isolated incident. The CFPB has already issued enforcement actions against these same entities : CFPB v. Experian ( XXXX ) : For misleading consumers and failing to properly investigate disputes. 

CFPB v. Equifax ( XXXX ) : For failure to correct inaccurate data and deceptive practices. 
These cases show a pattern of noncompliance that persists despite regulatory intervention. 

Nature of the Disputed Items : I am disputing the following categories of data, which have been verified without sufficient documentation : Late payments Charge-offs Collections XXXX  inquiries Student loans ( unvalidated promissory notes or balances ) Duplicated or fragmented tradelines Incorrect personal identifiers ( past addresses, name variations ) In each case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA XXXX. 

Real-World Harm : Because of these inaccuracies, I have suffered the following adverse effects : Denied financing for [ mortgage/car/personal loan ] Higher interest rates on approved credit Reputational damage due to reported delinquencies XXXX XXXX caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX  as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and XXXX users of the updated information

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