Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Support for Legal Action Against Experian, XXXX, XXXX, and XXXX Regarding Inaccurate Credit Reporting Practices To Whom It May Concern, I am writing to express my full support for the recent lawsuit against Experian, XXXX, XXXX, and XXXX regarding their failure to remove inaccurate late charges and ensure fair and accurate credit reporting. These systemic issues have caused widespread financial harm and emotional distress to countless individuals, myself included, and demand immediate reform. 

In my personal experience, Experian, XXXX, XXXX, and XXXX have all refused to correct errors on my credit report, despite my providing clear evidence, including documentation from my bank acknowledging the mistakes. Their refusal to act on these errors has unjustly impacted my credit score, resulted in higher interest rates, and limited my access to financial opportunities. These institutions repeatedly failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me and many others with no meaningful recourse. 

The actionsor inactionsof these credit reporting agencies undermine the trust consumers place in the financial system and disproportionately harm individuals who rely on accurate credit information for housing, employment, and financial stability. Their prioritization of profits and relationships with creditors over the rights of consumers is unacceptable. 

The consequences of these practices are devastating : XXXX. Unfair financial burdens, such as inflated interest rates, higher insurance premiums, and loan denials. 
XXXX. Missed opportunities, as landlords, employers, and other decision-makers use inaccurate credit reports to deny housing and jobs. 
XXXX. XXXX and emotional distress, as consumers struggle to resolve errors with little accountability from these agencies. 

I commend the CFPB for taking legal action against these organizations and advocating for the rights of consumers. It is imperative that the CFPB hold Experian, XXXX, XXXX, and XXXX accountable for their negligence and implement stronger regulations to prevent future abuses. 

I urge the CFPB to pursue this lawsuit to the fullest extent and take the following actions : Enforce stricter oversight of credit reporting agencies. 
Mandate clearer and more accessible dispute resolution processes. 
Impose severe penalties for non-compliance with FCRA regulations. 
Ensure that credit bureaus prioritize consumer rights over profits. 

Thank you for addressing this critical issue. I am hopeful that this lawsuit will lead to meaningful reforms and help restore fairness, transparency, and accountability in the credit reporting system. If there is any way I can assist in this effort or provide further details about my experience, please feel free to contact me. 

Sincerely, 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