Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, District of Columbia XXXX Subject : Complaint Regarding Unauthorized Alterations to Residential Address by XXXX Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX referred to as " the Complainant, '' am writing to address a serious matter concerning my credit file accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) and Experian XXXX XXXX XXXX Experian '' ), and their association with XXXX, XXXX XXXX XXXX XXXX '' ). XXXX was acquired by XXXX and subsequently dissolved, no longer registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of approximately XX/XX/XXXX ( refer to Exhibit A for details ). Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX, formerly known as XXXX, operates as a XXXX subsidiary, providing online access to consumer credit file accounts through paid services platforms ( refer to Exhibit B for details ). However, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  established XXXX, XXXX ( " XXXX XXXX XXXX  as a separate legal entity registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acting as a Registered Agent business not legally affiliated with XXXX ( refer to Exhibits XXXX and XXXX for details ). Additionally, I have uncovered XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), a subsidiary registered in California with incorporation in Delaware under " XXXX XXXX XXXX XXXX '' as the registered agent, dated XX/XX/XXXX ( refer to Exhibits XXXX, XXXX, and XXXX for details ). To summarize, the XXXX business name is no longer registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is now known as XXXX XXXX XXXX XXXX. However, XXXX, as a short business name, is a current legal entity registered in XXXX, to which I have no legal affiliation for any XXXX card services applications. Furthermore, XXXX spelled with an " XXXX '' at the end, is a legal business entity in XXXX, again with which I have no legal affiliation as my registered agent. And, I have reached out to XXXX via email regarding unauthorized Visa accounts created using my Personal Identifiable Information ( " XXXX '' ), and they have confirmed no such accounts exist ( refer to Exhibit XXXX for details ). 

Therefore, my Experian credit file account reflects a fictitious " XXXX  '' business entity that unlawfully gained unauthorized access to my credit file accounts, generating credit inquiries without my consents dated on XX/XX/XXXX, and XX/XX/XXXX ( refer to Exhibit F for details ), and inaccurately altering my residential address. The recent actions taken have severely encroached upon my privacy rights and left me vulnerable to identity theft issues. These deliberate violations of the Fair Credit Reporting Act, Title U.S.C. 1681e, stem from the absence of Compliance Procedures, and Title U.S.C. 1681s-2, stems from the failure of XXXX to fulfill their obligations, specifically " Responsibilities of Furnishers of Information to Consumer Reporting Agencies XXXX XXXX with regards to Experian and XXXX. As a result, inaccurate information has been erroneously reported on my Experian credit file account, leading to significant noncompliance problems. 

On XX/XX/XXXX, and XX/XX/XXXX, I had received email notifications from Experian indicating that they were unable to process my request under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Report Act due to insufficient information regarding my dispute ( refer to Exhibit XXXX and XXXX for details ). Despite uploading my notarized " Affidavit of Identity '' documents to my Experian credit file account on XX/XX/XXXX, and again on XX/XX/XXXX, through the experian.com/upload portal referenced in the Dispute Results report number XXXX, I did not receive any confirmation from Experian acknowledging receipt of my documents. Instead, Experian continued to send repeated email notifications without addressing my residential address disputes. Notably, the Experian dispute form lacks a direct upload button for attaching documents, only providing a hyperlink that is disconnected from the dispute form, a clear indication of users interactive design flaws. This oversight violates the Fair Credit Reporting Act, specifically Title U.S.C. 1681e, which mandates compliance procedures for document submission. Additionally, Experian 's failure to confirm receipt of electronic uploads breaches Title U.S.C. 1681h, which requires them to provide access to credit files upon request with proper identification. 

Similarly, I had encountered upload issues with XXXX when attempting to submit my " Affidavit of Identity '' dated XX/XX/XXXX, through the XXXX XXXX XXXX account. This affidavit was essential for legally disputing any unauthorized alterations to my XXXX credit file and monitoring the status of my XXXX manage freeze webpage. However, despite my efforts, I had received an error message indicating, " Sorry, we're having trouble showing the status of your credit freeze right now '' ( refer to Exhibit H for details ). Furthermore, I had endeavored to authenticate my identity by uploading the affidavit of Identity via the XXXX XXXX XXXX website after logging into my account. Regrettably, I had encountered another error message, " Were unable to complete your request online, '' hindering the completion of the upload process ( refer to Exhibit I for details ). These actions by XXXX violate the Fair Credit Reporting Act, specifically Title U.S.C. 1681e, which outlines compliance procedures for document submission. 

In light of these FCRA violations and noncompliance issues, it is imperative for Experian and XXXX to promptly address these concerns and cooperate fully to rectify the situation. And, your immediate assistance is necessary to ensure the integrity of my Experian and XXXX credit file accounts processes and uphold consumer rights under the FCRA. 

Respectfully Submitted, XXXX XXXX XXXX