Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint against Experian due to violations of the Fair Credit Reporting Act ( FCRA ). Experian has included and retained inaccurate and unauthorized information in my credit report, which has negatively impacted my credit history. I am requesting the immediate correction of my credit report and the removal of all incorrect, incomplete, or unverified information that is harming my financial reputation and my right to a fair credit report.

Section 604 of the FCRA - Permissible Purposes for Accessing Consumer Information : The FCRA requires that access to and retention of information in credit reports must be strictly authorized. However, Experian has included information in my report that I have not authorized, such as certain phone numbers. I request that Experian delete this information or provide a legal justification for retaining it.

Section 605 of the FCRA - Limitations on Information in Consumer Reports : This section of the FCRA regulates the type of information and the time limits for its inclusion in the report. Experian has retained outdated and unnecessary information that affects my credit history and does not meet the requirements of accuracy, relevance, and timeliness. I request the deletion of any data that does not comply with Section 605.

Section 609 of the FCRA - Right to Request Verification and Access to Information : Section 609 grants me the right to verify that all information in my report is accurate. Despite my requests, Experian has failed to provide adequate documentation to justify certain entries, such as names and addresses that do not belong to me. I demand the immediate removal of all unverified information and the correction of erroneous data.

Section 611 of the FCRA - Procedures for Disputes and Correction of Information : This section guarantees the consumers right to dispute errors in their report and obligates credit agencies to investigate and correct such errors within a reasonable time frame. Experian has not adequately responded to my previous disputes, leaving inaccurate data in my report. I request that Experian adhere to the correction procedures specified in Section 611.

Specific Examples of Inaccurate and Unauthorized Information : Employers : I have no employers that should appear on my credit report. I request the removal of any reference to employers or legitimate justification for its inclusion, as required by Section 605.

Spouses/Roommates/Co-Applicants : I have no spouses, roommates, or co-applicants listed in my report. Any reference to these should be removed immediately unless Experian can provide justification in compliance with Section 609.

Phone Numbers : I do not wish for any phone numbers to appear on my report. Under Section 604, I request their deletion or a valid justification for their inclusion.

Specific Demand : I request that the CFPB investigate Experians practices regarding the handling of my credit report to ensure strict compliance with the FCRA. It is essential that Experian respects my consumer rights, guaranteeing that all information in my report is accurate, up-to-date, and authorized. Should there be any further non-compliance, I reserve the right to take additional action.