Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XXXX, I have had inaccurate/fraudulent information on my credit report with the Experian Credit Reporting Agency XXXX I have constantly disputed information. Much of it was removed but reference to it was made in my report. Every time I check my report with the XXXX something is added that should not be there. From XXXX I disputed my personal information, specifically my address. There were several addresses added ; some the same address with a different XXXX XXXX. I was told these would be corrected but some of the addresses were totally removed and I was later told could not be put back on the report. In XXXX, I disputed my current address of 5 years because there was no apartment number and the last XXXX numbers of the postal code was incorrect ( this was something new added ) I was told by the dispute center that this address would be removed and the corrected address would be added. When I checked back in about a month ; the address was totally removed. I was told it could not be put back on my report and that I needed to send in documents to verify my address. Even though I have had an Experian Membership since XXXX and my address is updated with the Membership department as well as my monthly rental payments being reported by my landlord to Experian Rent Bureau since XXXX ; I was told by the Dispute Department to send in copies of my personal information. I tried to upload the documents several times but the system would not accept them. I did not feel comfortable sending copies in the mail as I have been a victim of Identity theft. I was told if I had an open account, the company would report my address and it could be added back to my report. In XXXX I opened a new account with XXXX XXXX ; the current address of 5 years was reported to all three bureaus by XXXX XXXX but Experian refuses to update my address. They put a " NOTICE '' on my account saying " This address has associated with a business address ... COMMERCIAL ADDRESS : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX '' I tried to dispute the address through Capital XXXX ( This was the only way I could. The XXXX Department blocked me from adding any disputes, adding any Statements or Notices ). The XXXX Department put a Fraudulent High Credit balance on my report as an update and a resolve to the dispute. ( The dispute was about my address only, not account information ). My last contact with the Dispute Department and Member Services was today and they refused to update my address and remove the " Notice '' as well as the High Credit Card balance they put on my report. They instead tried to transfer me back and forth and the Dispute Department went as far as to say that XXXX XXXX removed my address. I asked when they removed it? I got no answer. I have had several problems with my mail at this current address. Sometimes I do not receive my mail untill XXXX weeks after the mailed date. XXXX of the benefits of having this membership with Experian is that they monitor if my mail is being re-routed. This could not happen without an updated address and they have denied me services paid for in the XXXX XXXX I paid for

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