Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving an ongoing issue with Experian regarding the correction and updating of my credit profile. 

On three separate occasions, I sent certified returned receipt letters to Experian requesting updates to my credit profile with the correct information. Each of these requests included three forms of proof of my identity : my ID, my social security card, and proof of address. Despite providing all the necessary documentation, Experian has repeatedly denied my right to correct or update my credit profile. 

Below is an example of Experian 's response to my request : -- - **XXXX XXXXXXXX XXXX XXXX ** " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, 'if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. ' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure website to upload your documents at www.experian.com/dispute. '' -- - Despite following their instructions and providing all required documents, my requests have been consistently denied. My most recent attempt to fix my report was on XX/XX/2024, yet I still have not received a satisfactory resolution. I am now seeking the involvement of the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is resolved appropriately and to prevent any further unnecessary trauma. 

The Fair Credit Reporting Act ( FCRA ) is the U.S. federal law that promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Specifically, under the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and the credit bureaus are required to investigate and correct any errors. 

The relevant section of the FCRA that addresses a consumer 's right to dispute and request updates to their credit profile is **Section 611**. This section is codified at **15 U.S.C . 1681i** and details the procedures for disputing the accuracy of information in a consumer 's file.

Key points of Section 611 ( 15 U.S.C. 1681i ) include : 1. **Reinvestigation of Disputed Information** : When a consumer disputes the accuracy of any item of information contained in their credit report, the credit reporting agency ( CRA ) must reinvestigate free of charge and record the current status of the disputed information within 30 days, unless the CRA reasonably determines that the dispute is frivolous or irrelevant.

2. **Prompt Notice of Dispute** : The CRA must promptly notify the furnisher of the information ( such as a creditor ) of the dispute. 

3. **Correction of Errors** : If the information is found to be inaccurate or incomplete or can not be verified, the CRA must promptly delete or modify the item of information.

4. **Notification to the Consumer** : The CRA must provide the consumer with the results of the reinvestigation, a revised credit report if changes were made, and information on their right to add a statement disputing the information if the reinvestigation does not resolve the dispute. 

By utilizing these provisions, consumers can ensure that their credit reports are accurate and up-to-date. It is imperative that Experian adheres to these legal requirements to protect the rights of consumers. 

Furthermore, given that I have sent my ID, social security card, and pay stub, it is unclear how Experian could conclude that I was not sending my own request. This appears to be a stalling tactic that is both frustrating and unwarranted. 

Thank you for your attention to this urgent matter.