Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to file a formal complaint against Experian regarding their refusal to acknowledge and address my dispute regarding an address that does not belong to me. Despite providing all the necessary supporting documentation, Experian has failed to rectify the issue and continues to report the incorrect address, which is adversely affecting my credit profile. 

I first became aware of this discrepancy when I reviewed my credit report XXXX XXXX XXXX. To my surprise, Experian included an address that I have never resided at, which is as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To clarify, I have never lived at the address mentioned above, nor have I ever conducted any business or had any associations with that location. I have taken immediate action to dispute this incorrect information with Experian, providing them with multiple sets of supporting documentation clearly demonstrating that this address is not linked to me in any way. These documents include : Proof of Residence : I have attached copies of my lease agreements, utility bills, and official government correspondence which confirm my actual residence at [ Your Correct Address ]. 

Photo Identification : I have provided a copy of my driver 's license, clearly displaying my correct address. 

Employment Records : I have attached employment records from my current employer, demonstrating my place of employment and confirming that I have never worked or resided at the aforementioned address.

Despite my best efforts to provide comprehensive evidence, Experian has repeatedly requested documentation that I have already submitted multiple times. This has resulted in a prolonged dispute process and has caused significant frustration and inconvenience for me.

I firmly believe that the continued inclusion of this incorrect address in my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). Experian has an obligation to ensure the accuracy of the information it reports and to promptly investigate and correct any disputed items. By disregarding my dispute and failing to take appropriate action, Experian is not only damaging my creditworthiness but also violating my consumer rights.

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure Experian 's compliance with the FCRA. I urge you to hold Experian accountable for their refusal to address my dispute and their failure to recognize the supporting documentation I have provided.

Enclosed with this complaint, you will find copies of all relevant correspondence, supporting documentation, and Experian 's response letters. I trust that this information will aid in your investigation.

I would like to be kept informed of any progress or developments regarding this complaint. Please do not hesitate to contact me via the provided email address or phone number should you require any further information or clarification.

Thank you for your attention to this matter. I look forward to a swift resolution and a fair outcome.

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