The Consumer Financial Protection Bureau initiated legal action against Experian Information Solutions, Inc., a major consumer reporting agency, on January 7, 2025. The agency collects data on most adult Americans to create credit reports sold to creditors and other businesses.
Under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information, and reporting agencies are required to investigate these claims and correct or remove unverifiable data.
A second amended complaint filed on August 22, 2025, alleges that Experian failed to properly conduct reinvestigations and delete inaccurate or unverified information. The complaint also claims the company did not provide adequate written notice of investigation results and failed to prevent the improper reinsertion of previously deleted data.
Additionally, the Bureau alleges that Experian engaged in unfair practices by relying excessively on data furnishers despite evidence of their unreliability and by failing to match newly reported tradelines to those previously removed.
The Bureau seeks to bring the company into compliance with the law, obtain consumer redress, and impose civil money penalties. The legal process has involved several procedural steps. In May 2025, the court partially granted a motion to dismiss, allowing the Bureau to amend its complaint regarding a tolling agreement.
After further motions and amendments, the court denied the defendant's motion to dismiss on October 22, 2025, ordering the company to answer the complaint. Experian filed its answer on November 3, 2025.
