Consumer complaint received 2016-09-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
We sent Experian a letter on or about XXXX/XXXX/16, in which we uploaded via their upload feature. There was also a letter that was sent prior to this, and several calls made to Experian to advise them that there are several addresses ( XXXX addresses from Rhode Island ) on my credit report that I have never lived at, a social security number that does n't belong to me at as well as an account that I have never had. My wife spoke with a representative on XXXX XXXX, 2016 and advised the representative in XXXX XXXX of that, I was advised that social security number that ended in XXXX would be removed and they would remove the addresses that were n't mine, which all were address in Rhode Island. She was also transferred to the Fraud Department where she advised them that we NEVER lived in Rhode Island and did n't have any accounts that were initiated in Rhode Island. She was advised that the inaccurate social security number, and bogus addresses would be deleted. They also added a Fraud Alert to my file for all intents and purposes and had my wife to provide my contact phone for the purpose of adding it to the Fraud Alert. My wife pulled up the credit report today and to our surprise, only XXXX of the XXXX Rhode Island addresses were removed and the inaccurate Social Security number was still remaining. She contacted Experian and spoke with a representative and asked why the additional address was n't remove nor the inaccurate social security number. Once she was n't able to get a satisfactory answer, the representative transferred her to XXXX in the Special Handlings Group, XXXX, who stated they are refusing to pull the additional Rhode Island address off the credit report, because it is associated with an account that we are disputing. I asked them if they are willingly violating the FCRA. She stated they ca n't remove it due to being associated with an account. 
I advised her that if the account is not ours, then they must remove all information associated with that address. I asked her to send me all documentation relating to the account they are reporting, she refused. 
I asked her to speak with a manager, she placed me on hold for about 10 minutes and stated no one was available. Once I persisted, she seemed to get someone on the phone pretty quickly. I was transferred to XXXX. 
Spoke with XXXX with XXXX XXXX, who stated they are unable to remove the address, stated they have processes in place that have to be followed. I advised him that we have rights as consumers to dispute any information that is not accurate, and that they are willfully violating the law. I advised him that I would be filing a complaint with the Consumer Financial Protection Bureau. According to XXXX, he stated they ca n't remove the account due to it being associated with an account that is in dispute. He stated he had to wait until the account was deemed fraud by XXXX XXXX ( the original creditor that is reporting the Rhode Island address ) in order to remove the address. When I asked him why they had n't deleted the SS #, he stated he did n't see that it was done on XXXX/XXXX/16. He refused to give me the information for their legal team. Stated he would remove the SS #. 

I am demanding complete removal of the social security # ending with XXXX, and the address of XXXX XXXX XXXX # XXXX XXXX XXXX RI XXXX and compliance with the Fair Credit Reporting Act.

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