Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my Experian credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay.

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief