Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed several inaccuracies from mail addresses to creditors with Experian via telephone and mail. From XX/XX/year> XXXX XXXX, I have reached out to Experian to dispute inaccurate entries on my Experian credit report, from outdated, undeliverable addresses to inaccurate, inconsistent information from creditors. My contact information with Experian has been by telephone and certified mail. On XX/XX/XXXX, I spoke with a rep to verify if my identification documents were received ( drivers license, SSN, and utility bill was received as requested by Experian to remove outdated, unverifiable, and inaccurate info on the credit file. The rep acknowledged my documents were received. I asked, why did you remove some addresses and not all? The rep stated, I know that SOME addresses on consumers reports have what is called address identification number and SOME addresses can not be removed if it has address identification. I stated to the rep, that is partially incorrect. All consumers have an address identification number to EVERY not some but EVERY address that is listed on their credit profile ; yet addresses that are undeliverable, outdated, or inaccurate, can be removed according to U.S. 15 code 1681 ( i ). I explained to the rep you have my identification documents and Experian REFUSES to remove inaccurate information, and I will be submitting my report to the CFPB. As of XX/XX/year>, I no longer have access to view my credit report results on the Experian website. The message states, Your dispute results are currently not available online along with their operation hours and contact number. I have taken the time to call Experian to inform them that I do not have access to view my credit report disputes online as I have done in the past. When the Credit specialist offers to go over my dispute over the telephone, I would deny the reps request due to my rights under the Fair Credit Reporting Act, I have a right to review my credit dispute results including any updates or modifications. After denying the reps request, the next statement would be I can put in an escalation to see why you can not view your account. In addition, Experian is returning my mail to AVOID accurately handling my disputes. As of today, my disputes are still not accessible to me. In addition, I am sending this letter to the legal department of the Consumer Financial Protection Bureau ( CFPB ) for an individual to review this complaint as the previous complaints on the CFPB portal to Experian, have not been resolved. Experian keeps sending automatically generated interim responses requesting me to call them, or upload my documents, or mail my information. Which I have done as the evidence is again uploaded through this portal as well. I have taken the liberty to upload and total of four ( 4 ) documents as evidence in my complaint/case against Experian.

1. my identification documents, 2. screenshots from one of Fico monitoring services that I have subscribed to view my credit reports from all three credit reports to show outdated addresses has not been removed by Experian as credit reports should be consistent with accurate information.

3. Another screen shot from Experian Website that shows they have blocked me from viewing my disputed results.

4. And a screenshot that shows my certified mail is returning from Experian.