Consumer complaint received 2023-10-16
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Experian credit bureaus regarding their persistent and inaccurate reporting of my address on my credit report. This ongoing issue has caused significant distress and inconvenience, impacting my ability to access credit, manage my financial affairs, and even use public services. I am seeking your assistance in resolving this matter and seeking monetary compensation for the pain and suffering caused by their negligence. 

In XX/XX/2020, I discovered that my address had been falsely changed without my knowledge or consent. Despite my immediate efforts to rectify the situation by contacting the post office, the erroneous address persisted. Subsequently, I promptly notified all three credit bureaus about the incorrect address and provided ample evidence of my actual residence, including bills and my driver 's license, confirming my residence at my current address for over 18 years. 

Regrettably, despite my repeated attempts to rectify this error, XXXX, XXXX, and Experian credit bureaus have not corrected the inaccurate information on my credit report. This oversight has had severe consequences, including : Denial of Credit : I have been denied credit due to the inaccurate information on my credit report, hindering my financial opportunities and stability. 
Library Access : My local library refused to grant me access to their services based on the incorrect address in their system, affecting my ability to utilize community resources. 
Credit Card Issues : My credit card companies have sent statements, new cards, and even issued checks to the incorrect address, jeopardizing the security of my financial information. 
Identity Theft Concerns : The persistently inaccurate information poses a significant risk to my personal information, making me vulnerable to identity theft and other fraudulent activities. 

I want to emphasize that some of my complaints were made directly through the CFPB website, demonstrating my efforts to resolve this issue through the appropriate channels. 

I have diligently followed the necessary procedures and provided substantial evidence, and yet, my pleas for correction have fallen on deaf ears. This situation has caused immense frustration, stress, and hardship, impacting both my financial stability and peace of mind. I firmly believe that I am entitled to compensation for the pain and suffering I have endured due to the credit bureau 's negligence and disregard for my rights as a consumer. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold XXXX, XXXX, and Experian credit bureaus accountable for their actions. I seek monetary compensation for the distress, inconvenience, and financial losses I have experienced as a direct result of their failure to rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance. I trust that the Consumer Financial Protection Bureau will help rectify this situation and hold XXXX, XXXX, and Experian credit bureaus accountable for their actions.

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