Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing a formal complaint against Experian Information Services LLC for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my dispute regarding the removal of inaccurate information from my credit report. Despite submitting a detailed dispute on XX/XX/year>, Experian has failed to respond within the legally mandated 30-day timeframe. 

Details of the Complaint : Dispute Filed with Experian : On XX/XX/year>, I submitted a formal dispute ( Dispute ID : XXXX ) to Experian, detailing multiple inaccuracies in my credit report, including incorrect names, addresses, phone numbers, and employers. I provided my correct identifying information which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Tx XXXX, my phone number is XXXX, and no employer I requested that all inaccurate personal information be removed from my report in compliance with FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and 611 ( 15 U.S.C. 1681i ).

Failure to Respond within 30 Days : As of today, more than 30 days have passed, and Experian has not responded to my dispute or taken any corrective action. Under FCRA 611 ( a ) ( 1 ), consumer reporting agencies are required to complete their investigation and provide a response within 30 days, which Experian has failed to do.

Inaccuracies in My Credit Report : In my dispute, I identified 46 inaccuracies, including incorrect names, addresses, phone numbers, and employers. These inaccuracies are seriously impacting my credit, and Experians failure to correct them is in direct violation of FCRA requirements to maintain maximum possible accuracy in credit reports.

List of Disputed Items ( Previously Submitted to Experian ) : Incorrect Names : Multiple variations of my name, including " XXXX XXXX XXXX, '' " XXXX XXXX, '' and others. 
Incorrect Addresses : Several addresses I have never lived at, including " XXXX XXXX XXXX XXXX, XXXX XXXX, CA '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX. '' Incorrect Phone Numbers : Incorrect phone numbers that do not belong to me, such as " ( XXXX ) XXXX. '' Incorrect Employers : Listed employers such as " XXXX XXXXXXXX XXXX '' and " XXXXXXXX XXXX '' where I have never worked. 
Resolution Sought : I request that the CFPB take the following actions to ensure Experian complies with the FCRA : Immediately delete all inaccurate information from my credit report, including the incorrect names, addresses, phone numbers, and employers I have disputed.

Provide a full and documented response to my dispute, detailing the investigation conducted and the methods used to verify the information.

Ensure Experian adheres to the FCRAs 30-day requirement for responding to disputes and corrects the inaccuracies in my report without further delay. 
Enclosed are copies of my original dispute letter to Experian and supporting documentation showing the inaccuracies that remain on my credit report. 

Thank you for your prompt attention to this matter. I trust the CFPB will take the necessary action to ensure Experian complies with the Fair Credit Reporting Act.