Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian due to their failure to properly investigate and correct multiple inaccuracies in my credit report. Despite multiple attempts to resolve these issues directly with Experian, they have not complied with the Fair Credit Reporting Act ( FCRA ) or METRO 2 guidelines. I respectfully request your intervention to ensure that Experian investigates each disputed item thoroughly. 

I have previously outlined these disputes in a letter sent to Experian, and if necessary, I am happy to provide a copy of that letter as an attachment for your review. 

Below are the specific issues I am disputing : Personal Information Inaccuracies : Incorrect Name : Reported Name : XXXX XXXX Inaccuracy : This name does not belong to me and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry was unauthorized and should be removed from my credit report. 
Applicable Consumer Laws : 15 USC 1681i : This law requires credit reporting agencies to conduct a reasonable investigation of disputed information. Experian has not complied with this requirement.

15 USC 1681e ( b ) : Credit reporting agencies must follow procedures to assure maximum possible accuracy of the information they report. Experians failure to correct these inaccuracies is a violation of this law. 
15 USC 1681b : No inquiries should appear on my credit report without a permissible purpose. Experian has failed to verify that the inquiries in question comply with this law.

Request for Action : I kindly request that the CFPB ensure Experian does the following : Investigate each of the disputed items as listed above, in compliance with FCRA and Metro 2 guidelines.

Remove or correct any inaccurate, unverifiable, or incomplete information.

Provide documented proof that all reported information has been validated, or delete the inaccurate items as required by law. 
If Experian requires more information or documentation, I am willing to provide a copy of my dispute letter and any additional details. Thank you for your attention to this matter, and I look forward to your assistance in resolving these issues promptly.