Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
I contacted XXXX on or around XX/XX/XXXX regarding incorrect information on my report ( false addresses, et cetera ). It has been over 30 days since, so the dispute has expired off their website, so I can not accurately relay to you everything I disputed. I have had this problem with all three companies ( Experian, XXXX and XXXX ) regarding addresses I have NEVER lived at before, hence when I answer personal questions to verify my identity, it asks me things that I have literally no way of knowing. This is why I have tried correcting the addresses on file. 

XXXXXXXX proceeded to send me an amended credit report to AN OLD ADDRESS. The only way I KNOW of this is that my brother still happens to live there. I have not lived in that house in over ten years. 

I have the same problem with Experian. They have incorrect addresses on file, some that are just outright nonexistent, and when I tried correcting the issue, the only thing they were able to do was remove the nonexistent ones. They corrected the ones that were wrong, but they did not change my current address. I tried to buy a XXXX XXXX through XXXX XXXX site, and they verify credit through Experian. I only know this because it did not work with my current information, but when I utilized the WRONG information listed on Experian, it verified my identity on XXXX XXXX site. I have tried to explain that the addresses they have listed are in the wrong order, and are completely incorrect in terms of my timeline for living in them. They still think I'm living in Florida, in my very first apartment there, from ten years ago. It should also be said that due to their incorrect address information, I am unable to pull my credit report from them online due to incorrect questions being asked. There is no conceivable way I know the answer to half of them, hence I must've gotten one wrong at some point because it has now locked me out of accessing my credit report any other way than to mail things in. It is incredibly infuriating. 

With XXXXXXXX, my credit report with them is literally the shortest-lived report of all three. They have barely any information to give me, and when companies try to pull my credit, XXXX  refuses to come up. I have checked multiple times to see if there is a freeze or a fraud alert on my account, and as far as I can tell there are neither. I even went so far as to FAX IN MY INFORMATION to those XXXX because they demanded it to verify my identity by phone and give me any further information, and those pieces of XXXX claim they never got my fax. I had to spend a dollar per page, three pages, just to fax something to them, and they LOST MY XXXX INFORMATION. It seems to be a trend with XXXX, I guess. My husband and I are trying to buy a home, and so our credit is having to be checked. Fortunately they can pull two of three up for me, but even so, the fact that XXXX just adamantly refuses to pull for me is concerning. I can not make heads or tails of it and NO ONE there is willing to help me at all. It is the most aggravating feeling, feeling like someone is holding my entire existence hostage.

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