Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I am writing to file a complaint against Experian for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). Experian has repeatedly failed to maintain accurate information in my credit file despite my numerous attempts to correct these errors over the past several months. 

In XX/XX/year>, I applied for a home loan and was denied due to information on my credit report provided by Experian. Upon obtaining a copy of my Experian credit report, I discovered numerous issues : 1. Two addresses that do not belong to me are being reported on my credit file. These addresses are in states where I have never resided.

2. Several accounts on my credit report are incomplete and inaccurate. 

These inaccuracies have led to confusion about my identity and negatively impacted my ability to secure both employment and a home loan. 

I have diligently attempted to resolve these issues with Experian. I sent formal dispute requests to Experian in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Despite these repeated attempts, Experian has failed to adequately investigate my claims and has not removed or resolved the issues. This persistent failure to correct erroneous information upon multiple notifications is a clear and egregious violation of the FCRA. 

I believe Experian has violated the following sections of the FCRA : 1. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' of the information in consumer reports.

2. 15 U.S.C. 1681s-2 ( a ) and ( b ), which outline the responsibilities of furnishers of information to consumer reporting agencies.

3. 15 U.S.C. 1681i ( 5 ) ( A ) ( i ), which requires the credit bureau to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

4. 15 U.S.C. 1681i ( 5 ) ( A ) ( ii ), which requires the credit bureau to promptly notify the furnisher of the information of the determination and provide any corrections necessary.

Experian 's continued inclusion of addresses unrelated to me and inaccurate account information, despite my multiple disputes, demonstrates a severe failure to follow reasonable procedures to ensure maximum possible accuracy. Their repeated inability to correct this information violates my right to have inaccurate information corrected or deleted.

This ongoing situation has become a significant burden on my household. The loss of employment opportunities and the inability to secure a home loan due to false information on my credit report has caused prolonged financial strain and emotional distress. Moreover, the time and effort required to repeatedly dispute this information over five months have taken a toll on my personal and professional life.

At this point, given the multiple unsuccessful attempts to resolve this issue directly with Experian, I am deeply concerned that these inaccuracies and inconsistencies are being reported deliberately or that there is a systemic failure in Experian 's dispute resolution process. 

I request that the CFPB investigate this matter and take appropriate action against Experian for their repeated violations of the FCRA. I also ask for assistance in ensuring that Experian promptly removes the inaccurate address information and corrects any incomplete or inaccurate account information from my credit file. Furthermore, I request that Experian implements better procedures to prevent such errors in the future and conducts a thorough reinvestigation of my disputes in compliance with the FCRA. 

Thank you for your attention to this urgent matter. Given the extended period over which these issues have persisted despite my best efforts, I look forward to your timely response and to a swift resolution of these issues.