Credit Bureaus Are Leaving More Mistakes on Frustrated Consumers’ Reports Under Trump’s CFPB
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The Bottom Line
Federal data shows major credit bureaus are resolving fewer consumer complaints in their favor under Trump's CFPB.
How This Affects You
Credit report errors may be harder to fix, potentially hindering your access to loans, housing, or employment.
AI Summary
Under President Trump's administration, two of the three major credit bureaus, TransUnion and Experian, have sharply reduced the rate at which they resolve consumer complaints in customers' favor. A ProPublica analysis of federal complaint data indicates this decline coincides with the Consumer Financial Protection Bureau (CFPB) curtailing its enforcement mission under new leadership appointed in February 2025. While Equifax's relief rate remained stable due to a pre-inauguration consent order, TransUnion's relief rate dropped by approximately half, and Experian's fell from nearly 20% in 2024 to less than 1% last year. This shift leaves millions of credit reporting complaints unresolved, potentially impacting consumers' access to loans, housing, and employment. The reduced oversight signals a significant change in federal consumer protection regarding credit reporting accuracy.
What's Being Done
ProPublica analyzed federal complaint data showing a decline in resolved consumer complaints by credit bureaus.
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