Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue with Experian, one of the major credit reporting agencies in the United States. I have recently reviewed my credit report and found that there are several errors, including misspellings of my name, incorrect employers, and an incorrect address. This is a violation of several laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., and the Georgia Personal Data Protection Act, O.C.G.A. 10-1-910 et seq. 

As per the FCRA, Experian is obligated to ensure that the information contained in my credit report is accurate, complete, and up-to-date. Both the Consumer Financial Protection Bureau and I have reached out to Experian to correct these errors and to clean up my personal data, however, Experian has refused to do so. This refusal to correct the errors in my credit report violates several provisions of the FCRA, including : Section 611 ( a ), which requires credit reporting agencies to reinvestigate disputes from consumers within a reasonable period of time. 
Section 611 ( b ), which requires credit reporting agencies to remove or correct inaccurate or incomplete information from a consumer 's credit report.

Section 613 ( a ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports.

Misspellings of my name and incorrect employers and addresses are clear indications that the information contained in my credit report is not accurate. This undermines the accuracy and integrity of my credit report and violates my rights under the FCRA. 
The GLBA requires that financial institutions protect the confidentiality and security of consumers ' nonpublic personal information. By including incorrect information in my credit report, Experian is potentially exposing my personal information to unauthorized individuals, which is a violation of the GLBA.

The Georgia Personal Data Protection Act sets forth strict requirements for the protection of personal data, including credit reporting agencies like Experian. By including incorrect information in my credit report, Experian is in violation of the Georgia Personal Data Protection Act and is putting my personal information at risk. 

I demand that Experian immediately correct these errors in my credit report and ensure that all information contained in my credit report is accurate, complete, and up-to-date. I would also appreciate it if the Consumer Financial Protection Bureau could investigate this matter and take appropriate action to ensure that Experian complies with all applicable laws and regulations. Furthermore, I request that the CFPB forward all findings to the Office of the Attorney General for Georgia for any further action that may be necessary. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation