Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XX/XX/year>2024 Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute Regarding Erroneous Address Reporting XXXX XXXX XXXX XXXX, XXXX, CA XXXX Dear Experian, I am writing to formally dispute the erroneous address being reported on my credit file : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This address is not associated with me in any way and is in fact a rental office space open to the public. The space can be rented for under {$500.00} per month, which clearly does not reflect my residential situation. I have informed you previously that this is not my address, yet it continues to appear on my credit report. 

For your reference, here are the details of this erroneous address : Location : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Description : Rental office building available for lease to the public, offering suites of approximately 240 square feet. 
Rental Rate : Between {$450.00} to {$500.00} per month, inclusive of utilities, common area maintenance, and complimentary access to high-speed internet. 
Purpose : Commercial office suites for business, not residential use. 

This is not my personal or residential address. My actual and correct address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have never resided or conducted any business from the XXXX XXXX XXXX XXXX location, and it is unacceptable for this error to persist on my credit report. 

As this incorrect address continues to be reported, it negatively impacts my creditworthiness and causes unnecessary confusion. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that the information on my credit file is accurate and verifiable. This address is incorrect and must be removed immediately to avoid further legal consequences. 

XXXX Required : XXXX. I demand that you immediately remove the incorrect address, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, from my credit report. 
XXXX. I also request a written confirmation that this erroneous address has been fully removed from your records. 

Please consider this a formal dispute under the FCRA. If this incorrect information is not removed promptly, I will pursue further legal action to enforce my rights under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the California Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX # # # XXXX XXXX, XXXX **XXXX XXXX.** XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX **RE : Dispute of Erroneous Address Reporting XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Dear XXXX, XXXX am writing to formally dispute the inaccurate reporting of the address XXXX XXXX XXXX XXXX, XXXX, CA XXXX as being associated with my account. This address is neither mine nor has it ever been, and it is unacceptable that you continue to report it as such. My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, which I have provided multiple times in previous communications. 

The XXXX XXXX XXXX XXXX location is a **commercial rental office space**, available for lease to the public for rates ranging from ** {$450.00} to $ XXXX per month. This is clearly not a residential address, and it does not reflect my living situation in any capacity. I will be including **physical photographs** of both the XXXX address** and my *XXXX address** for your reference and clarity. 

Under the **Fair Credit Reporting Act ( FCRA ) **, you are obligated to ensure that the information you report is both accurate and verifiable. Continuing to associate my name with an incorrect address constitutes a violation of this federal law. Your failure to rectify this misinformation not only damages my creditworthiness but also shows a significant lapse in your duty of care as a lender. 

**Legal Grounds for Dispute : ** 1. **FCRA Violations** : As a furnisher of credit information, you are required to investigate and verify the accuracy of the information you report. The continued reporting of the erroneous address is a direct violation of **FCRA Section 602** and could expose your organization to liability for failing to correct inaccurate information.

2. **Negligent Misrepresentation** : By continuing to report an address that does not belong to me, you are engaging in negligent misrepresentation. Should this matter escalate, I will seek damages for the harm caused by your inaccurate reporting.

3. **Intentional Infliction of Emotional Distress** : The persistence of this erroneous information can lead to significant distress and confusion. I am prepared to pursue claims for any emotional distress caused by your negligence.

**Action Required** : 1. I demand that you **immediately cease** reporting the erroneous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and correct your records to reflect my true address of XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX. I expect a written confirmation that you have taken the necessary steps to correct this misinformation. 
XXXX. Should you fail to address this dispute within **30 days**, I will take legal action to protect my rights, which may include seeking monetary damages and filing complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **California Attorney Generals office** . 

Enclosed are physical pictures of both addresses to substantiate my claims. I trust that you will handle this matter promptly and professionally. Should you require any further documentation, feel free to reach out. 

Thank you for your immediate attention to this matter. 

Sincerely, **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX -- -