CFPB Escalation Guide

When credit bureaus fail to respond or resolve your disputes

What is the CFPB?

The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that protects consumers in the financial sector. They have the authority to investigate credit bureaus and enforce federal consumer financial laws, including the Fair Credit Reporting Act (FCRA).

When credit bureaus fail to properly investigate your disputes or violate FCRA regulations, the CFPB can intervene on your behalf and compel the bureaus to take action.

When to File a CFPB Complaint

No Response After 30 Days

Credit bureaus are required to investigate and respond within 30 days. If they don't, file a complaint.

Inadequate Investigation

If the bureau's investigation was clearly insufficient or they verified inaccurate information without proper documentation.

Repeated Failures

After completing all 4 rounds of disputes with no resolution or continued reporting of inaccurate information.

FCRA Violations

If the bureau violated your rights under FCRA, such as failing to provide required notices or continuing to report disputed information as accurate.

How to File a CFPB Complaint

1Gather Your Documentation

Collect all dispute letters, bureau responses, tracking numbers, and evidence of inaccurate reporting. The more documentation you have, the stronger your case.

2Visit the CFPB Complaint Portal

Go to the official CFPB complaint submission website and select "Credit reporting, credit repair services, or other personal consumer reports" as your issue.

File CFPB Complaint

3Provide Detailed Information

Clearly explain the issue, what you've done to resolve it (all 4 rounds of disputes), and what outcome you're seeking. Be specific about dates, account numbers, and bureau responses.

4Upload Supporting Documents

Attach copies of your dispute letters, bureau responses, credit reports showing the inaccurate information, and any other relevant evidence.

5Track Your Complaint

The CFPB will provide a tracking number. The bureau must respond within 15 days, and the CFPB will forward their response to you. You can track progress online.

What to Expect After Filing

Timeline

The credit bureau must respond to the CFPB within 15 days. The CFPB will review their response and may conduct further investigation if needed.

Bureau Response

Credit bureaus take CFPB complaints very seriously. They often resolve issues that were previously ignored when the CFPB is involved.

Your Follow-Up

You'll receive the bureau's response through the CFPB portal. You can accept it, dispute it, or provide additional information.

Additional Resources
Helpful links and information for CFPB complaints