Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern, I am writing to file a complaint against Experian credit reporting agency for violating various provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated Section 605 ( a ) of the FCRA by including inaccurate information in my credit report, as well as Section 611, which requires credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer 's credit report. 

The inaccurate information in question pertains to my old address of 8 years ago : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, identifiable with Address Identification Number : XXXX, Apartment complex, XXXX XXXX : XXXX as reported on Report Number XXXX, which I accessed on XX/XX/2023. The only fact in the report is that I lived at this address at some point in my life. However, the last time I lived and had any government-issued Identification at this address was 8 years ago. Experian has failed to investigate efficiently to arrive at this fact. I have provided a copy of my old driver 's license and new driver 's license as evidence of this inaccurate reporting. 

Furthermore, Experian and its third-party partners are facilitating their report with inaccurate theories of erroneous information associated with this address that are evidentially unverifiable with any personal ID verifiers or official government-issued identification copies because I wasnt living there at the time they think I was. They just want to be right even though they are wrong! Pursuant to section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ) which states that credit reporting agencies must not include certain types of information in a consumer 's credit report, including information that is " inaccurate, obsolete, or can not be verified, '' Experian is blatantly violating the law in my case. The specific code citation is 15 U.S.C. 1681c ( a ). This section of the FCRA prohibits credit reporting agencies from including in a consumer 's credit report : Any information that is known to be inaccurate, or that is likely to be inaccurate ( as is the case here, which is a violation of the law ) Any information that is more than seven years old, with certain exceptions ( as is the case here, which is another violation of the law ) Any information that can not be verified ( as is the case here, which is another violation of the law ). 
The law specifically mentions that If a credit reporting agency includes any of the above types of information in a consumer 's credit report, it would be in violation of Section 605 ( a ) of the FCRA, as stated in 15 U.S.C. 1681c ( a ). As a simple investigative tool, I challenge and encourage Experian to call the apartment complex 's office to verify : If I live there and verify when I last lived there ( i.e., which is 8 years ago ). This will settle the matter once and for all and prove that they are reporting the wrong information in my report.

Experian is also reporting various meaningless addresses to the same effect, including Address Identification Number : XXXX - the address of the post office attached to the facility - which Experian is clearly indicating as a post office and confusing with my actual address as indicated in the notes they have wrongfully put on my report ; but missing the little extra detail in my address on my driver 's license, and Address Identification Number : XXXX - an obvious wrong typo of my unit number. 

In addition to the above violations, Experian also failed to follow the requirements outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( B ) of the FCRA. Specifically, section 611 of the Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This section of the FCRA requires credit reporting agencies to take steps to ensure the accuracy of the information in a consumer 's credit report, including : Investigating disputes of credit report information that consumers bring to their attention Notifying the consumer of the results of the investigation Notifying the consumer of any changes made to their credit report as a result of the investigation Notifying the consumer of their right to add a statement to their credit report if they disagree with the results of the investigation. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) requires that credit reporting agencies must use the information received from the individual about whom the report relates to reinvestigate credit reports if the credit reporting agency receives notice of a dispute. Experian has made every effort not to comply with this requirement of the law in my case. 

I therefore humbly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Experian for its violations of the FCRA. I respectfully request the CFPB to require an update of my report to reflect the accurate and verifiable address and request the deletion of any information relating to any outdated addresses being reported. I further request Experian to facilitate a copy of any changes to my report pertaining to this complaint. 

Thank you for your time and consideration in this matter. 

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