The Consumer Financial Protection Bureau (CFPB) has filed a lawsuit against Experian, a Costa Mesa-based credit reporting agency and subsidiary of Ireland-headquartered Experian plc, accusing it of violating the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Act (CFPA). The lawsuit, filed in a California federal court, alleges that Experian conducted "sham investigations" into consumer disputes, failed to properly investigate errors in credit reports, and allowed previously deleted inaccurate information to be reinserted into credit files. The CFPB claims that Experian's practices harmed consumers by including incorrect information in credit reports, which could negatively impact access to loans, employment, and housing. Additionally, the agency alleges that Experian used faulty intake procedures, failed to forward consumer-provided evidence to data furnishers, and uncritically accepted responses from furnishers even when they were illogical or unreliable. CFPB Director Rohit Chopra emphasized the seriousness of credit reporting errors and the need for compliance with federal law. The CFPB is seeking an injunction to stop the alleged misconduct, restitution for affected consumers, and civil penalties. Experian, which was previously fined $3 million in 2017 for misleading consumers, has denied the allegations, stating that it investigates consumer disputes thoroughly and complies with legal requirements.