Rich people are never forced to face responsibility for their actions? A cursory Google search will turn up thousands of cases where rich people, including celebrities, are punished by courts. Its happening every day.
The reason Experian is in the position it is in is because we don't have any national digital database run by the govt. that stores the information needed by banks, etc., to provide us credit. There are countries (like India) where the govt. runs the services, but there are civil rights reasons why that also might not be a good choice in the long run.
The better question to ask is why hasn't Experian been displaced by a better competitor. What are the barriers to entry that prevent better companies from taking on its role?
I think you will find there are both coordination problems and regulatory problems at fault for why Experian is still around fucking up year after year.