Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Reporting Act everything has to be 100 % accurate.

The credit bureaus state my account was properly investigated but how is that possible if the addresses are inaccurate. For example, one of the reported addresses is for a XXXX XXXX in Tennessee. One can not live at or receive mail at a business. 
Related to the removal of inaccurate information, my rights have been violated 15 U.S.C 1681 section 602 A states that I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish the account without my written instructions I have contacted all XXXX credit bureaus ( Experian, XXXX, and XXXX ) related to incorrect information ( names and addresses ) on my credit report. I have explained to all XXXX companies that I have been a victim of identity theft at least XXXX  times that I am aware of since XXXX. An identity theft report was filed with the FTC in early XXXX. I have requested investigations and procedures related to their individual investigations. The " investigations '' result in immediate letters mailed to me stating the addresses were all " verified and are accurate ''. 

On XX/XX/XXXX, I sent certified mail to XXXX with proof of my address using a recent paystub and W-2 from my employer as requested. the documents were in black and white and without highlighted portions as requested. The original documents were sent back with a letter that I received from XXXX with instructions related to the documents requested. I received another letter on XX/XX/XXXX, requesting the same documents. I called XXXX on XXXX XXXX regarding the duplicate request. At first the representative stated the documents were not received. During the same conversation, the same representative stated the documents were received but when they scanned the documents into their system, it became lighter and illegible. I asked where are the original documents. The representative did not know. They refused to delete inaccurate addresses on my credit report. 

On XX/XX/XXXX at XXXX, I called Experian requesting they delete inaccurate addresses. I have explained that I have been a victim of identity theft and that an identity theft report was filed with the FTC in early XXXX. I was told by the representative that the addresses where deleted. I received a letter stating that all addresses were " verified and accurate ''. I Today XX/XX/XXXX at XXXX, I called XXXX. The XXXX representative stated they could not delete the old addresses because there is on ongoing dispute related to a creditor. I explained I have called about the incorrect information multiple times previously. The female representative refused to address the issue at all. 

Today XX/XX/XXXX at XXXX XXXX, I called XXXX to have inaccurate addresses deleted. The customer service representative XXXX states he deleted the addresses and submitted a dispute to have the addresses removed permanently. I explained to the representative that I have file many disputes related to my addresses being inaccurate and have requested details of their investigation procedures along with the disputes. The " investigations '' result in immediate letters mailed to me stating the addresses were all " verified and are accurate ''. He said that I will get another letter regarding the investigation of the dispute. Confirmation # XXXX If I have never had a utility bill at any address, I have never lived there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation