Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Complaint Regarding Experian and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify the inaccuracies in my credit report, XXXX has failed to comply with the FCRA provisions, which protect consumers and ensure fair and accurate credit reporting. 

The specific violations I have encountered with Experian are as follows : Violation of Section 1681e of the FCRA - Accuracy of Information : Experian has failed to maintain accurate information in my credit report. Despite providing clear instructions to update and correct my report, Experian has not addressed the inaccuracies regarding my addresses. Outdated and incorrect addresses still remain on my credit report, causing potential confusion and impacting my ability to receive important financial correspondence. 

These actions by Experian clearly violate the FCRA, which emphasizes the importance of fair and accurate credit reporting and the responsibility of consumer reporting agencies to exercise their duties with fairness, impartiality, and respect for consumer privacy. 

According to the FCRA, as a consumer, I am entitled to remedies for these violations. The potential remedies include : Deletion of Inaccurate and Outdated Personal Information : My primary remedy is the deletion of inaccurate and outdated personal information from my credit report. I request that Experian promptly removes the outdated addresses and ensures that only accurate and current address information is displayed on my credit report. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages of {$1000.00} per violation. Each instance of Experian failure to rectify the inaccuracies and address my requests represents a potential violation and may be subject to statutory damages. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Experian for its violations of the FCRA. It is crucial to ensure that Experian upholds its obligations and that consumer rights are protected under the law. 

Enclosed with this complaint, please find relevant documentation, including copies of my previous correspondences with Experian and any other supporting evidence. 

I appreciate the Consumer Financial Protection Bureau 's commitment to safeguarding consumer interests and promoting fair financial practices. I trust that you will conduct a comprehensive investigation into this matter and take the necessary steps to address Experian`s violations of the FCRA XXXX thereby ensuring fair treatment and protection of consumer rights. 

Thank you for your attention to this important issue. I look forward to a timely response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX

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 non-monetary relief