Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I submitted a dispute to Experian to remove inaccurate information which they refused to comply with. IN response, they sent me a copy of my " dispute results '' which showed account information for 5 accounts that do not belong to me. These accounts were the only accounts in the dispute results form of which I am not the owner of, or authorized user of. This means they mixed up my credit file with another consumer, sending me their results which means they sent me someone else 's. This continued lack of incompetence from Experian is appalling and incredibly damaging to my credit profile, as now I have to monitor my credit daily to ensure that no one has gotten my personal information from them sending my credit file to an unknown person. This may cause irreparable damage to my credit score. As I am in the middle of buying a house, I have had to delay that in order to ensure when the mortgage lenders are pulling my credit profile, it is indeed mine and not the other consumer 's. 

This is beyond unacceptable and Experian should not only be ashamed, but prohibited from being the source of credit reporting as they have shown in their history with multiple lawsuits. As a result of the delay in my ability to close on a home, I have also now been forced to lose out on reduced interest rates, meaning I will have to pay more over the course of my mortgage due to their lack of appropriate reporting. 

An example of deliberate misreporting, I filed a direct dispute for an inaccurate address which they claim to have verified which is impossible as no such address even exists, which proves they use electronic means to " Verify '' rather than doing the actual legally required investigation. This address does not exist and they refuse to remove it : Before XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC. XXXX After : XXXX XXXX XXXX, Washington , DC. XXXX Neither address are correct nor do they make any sense. I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington , DC. XXXX I also lived at XXXX XXXX during the duration of my tenancy. Either way, the address as listed above don't make sense, and are non deliverable. The second ( updated ) address makes even less sense as it doesn't even include a building number and just list the two different apartment numbers. 

Also, Experian strategically has " pre-populated '' consumer statements which is restrictive and does not allow a consumer to fully list or identify a circumstance relating to their credit profile that other creditors should know. This is limiting accurate information from being identified in a statement as Experian knows they will not update a dispute correctly and don't want other agencies to know that by allowing a consumer to list or write a statement in free form instead of limiting them to a pre-populate one sentence consumer statement that they have found to be appropriate which is incredibly biased.

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