Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my serious concerns regarding an unresolved issue with my credit report as provided by the three major credit reporting agencies, namely Experian, XXXX, and XXXX. Specifically, I have reported a fraudulent address associated with my name, and despite providing substantial evidence to support my dispute, it has not been rectified as requested. I am writing to request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. 

My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/1989 Social Security Number : XXXX Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, Ca XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX The issue in question pertains to an incorrect address listed on my credit report, which is causing me significant concern and distress. The address in question is as follows : Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never resided at this address, and it does not belong to me. Furthermore, the address is associated with someone who shares the same or a similar name to mine. I filed a dispute with all three major credit reporting agencies, and in my dispute, I marked it as fraudulently reported. In accordance with their procedures, I provided the following documents to validate my claim : Proof of Identity : Copy of my driver 's license Copy of my XXXX Security Card Copy of my Birth Certificate Proof of Address : Copy of a utility bill in my name at my actual address Proof of Identity Theft Report : Copy of the identity theft report, filed with [ Relevant Authorities ] Documentation of Disputed Address : A copy of the credit reports highlighting the erroneous address Despite submitting this comprehensive documentation to substantiate the error and my dispute, I am distressed to report that my dispute has been denied by all three credit reporting agencies. The presence of this fraudulent address on my credit report is detrimental to my financial standing, and I believe it reflects inaccurately on my creditworthiness. 

I am formally requesting the following actions to be taken : An immediate and thorough investigation into this matter by the Consumer Financial Protection Bureau. 

A directive to Experian, XXXX, and XXXX to promptly remove the fraudulent address, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, from my credit report. 

A review of the procedures and policies followed by the credit reporting agencies, particularly concerning disputed addresses, to prevent similar issues in the future. 

I believe that the failure to resolve this matter in a timely and accurate manner could lead to potential financial implications for me, and I am seeking your intervention to ensure the issue is addressed promptly. I am providing the necessary documentation along with this letter for your reference. 

I appreciate your attention to this matter and look forward to a swift resolution. Please contact me at XXXX or XXXX for any additional information or documentation required. 

Thank you for your assistance in addressing this issue.

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