Bureau dispute relief rates collapsed after CFPB gutting: Experian dropped from 20% to under 1%

Between early and late 2025, Experian's rate of providing relief on consumer disputes plummeted from 20% to less than 1%, and TransUnion's declined by 50%, directly correlating with the Trump administration's dismantling of the CFPB. With the agency's enforcement staff cut from 248 to roughly 50 people and investigations frozen, the bureaus face no regulatory consequence for stonewalling disputes. Nearly 2.7 million complaints submitted to the CFPB went without any relief action. Consumers who previously had a credible escalation path now have no practical recourse short of hiring an FCRA attorney and suing. This structural collapse persists because credit bureaus are accountable to data furnishers who pay them, not to consumers whose data they sell, and the only counterweight -- federal enforcement -- has been deliberately neutralized.