In the second amended complaint, Guo claims that after she was the victim of identity theft, the financial institution and credit bureau defendants continued to report and attempt to collect fraudulent debts after she provided proof of the fraud. In doing such she alleges that they violated federal and California consumer protection laws by failing to properly investigate and correct her credit reports.
Today, I'm talking with Alex Lintner, who is the CEO of technology and software solutions at Experian, the credit reporting company. Experian is one of those multinationals that's so big and convoluted that it has multiple CEOs all over the world, so Alex and I spent quite a lot of time talking through the Decoder questions just so I could understand how Experian is structured, how it functions, and how the kinds of decisions Alex makes actually work in practice.
The MBA's concerns, which were expressed in a letter to Pulte on Dec. 12, 2025, include information from members who reported an increase in credit reporting costs for 2026. The hikes amounted to 40% to 50% on average and included dramatic price increases for the government-sponsored enterprises' mandated tri-merge credit product. The three major bureaus Equifax, Experian and TransUnion collect financial and personal data to create consumer credit files.
It can be nearly impossible to escape a history of bad credit. Credit is the amount of money you have borrowed and not yet repaid to make large purchases like medical bills, homes, property, school tuition loans, and other types of loans. A credit score is a number that represents your history of loan repayment so future creditors can determine if they will or will not loan you more money.
