Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact Number : ( XXXX ) XXXX D.O.B : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Report Number : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( or ) XXXX XXXX XXXX XXXX, PA XXXX file number : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX Report Confirmation : XXXX Dear : XXXX, XXXX and Experian I am writing this letter to dispute the inaccuracy of information contained in my credit report regarding the addressee, name spelling and telephone numbers found in my credit report. This is honestly frightening because I have never lived in the addresses reported. On XXXX report number ( XXXX ) : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX ( PLEASE REMOVE INACCURATE ADDRESSES ON MY CREDIT REPORT ) On Experian ( Report Number : XXXX ) please delete this address immediately I have never lived in the addresses reported on my credit file. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Address ID # XXXX Single family, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX Address ID XXXX XXXX Multifamily and XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX, XXXX GA, XXXX XXXX ID # : XXXX Single family, XXXX XXXX XXXX, XXXX GA, XXXX Address ID # : XXXX Single family XXXX XXXX XXXX XXXX, XXXX GA, XXXX Address ID # XXXX XXXX Single family , XXXX XXXX XXXX, XXXX GA, XXXX Address ID # : XXXX Single family. These addresses also show up on XXXX as well ( file number : XXXX ). Regarding Experian, XXXX and XXXX please update a correction of my name as well, please remove XXXX XXXX XXXX ( Name I.D # : XXXX ) ( Name I.D # : XXXX ) XXXX XXXX XXXX ( Name I.D # : XXXX ) XXXX XXXX ( Name I.D # : XXXX, Name I.D # : XXXX, Name I.D # : XXXX ) XXXX XXXX XXXX ( Name I.D # : XXXX and Name I.D # : XXXX ). XXXX XXXX ( XXXX XXXX # : XXXX ) the correct spelling is XXXX XXXX XXXX XXXX. I am a victim of identity theft and I ask that you remove the fraudulent addresses and incorrect name spelling from my account, also I would like you to send me an updated and accurate statement of those changes. 

I also request that you cease reporting the inaccurate information to all nationwide credit reporting agencies ( CRAs ) to which you provided it. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies- Reference : 15 U.S.C. 1666-1666j. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history ( 15 U.S.C. 1681-1681x ) and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. Again, please remove this account at once from my credit report and supply me with a copy of my new credit report reflecting this account removed upon completion. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to supply inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Furthermore, I believe that the furnisher of this information from the credit bureau XXXX, XXXX and Experian is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this discrepancy from my credit report due to the inaccurate and unreliable reporting. Please provide me with written confirmation of the deletion and an updated copy of my credit report. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX. 
Thank You

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