Consumer complaint received 2024-06-19
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)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response to the disputes I have submitted concerning my credit information. Since last year, I have sent multiple certified disputes to the credit agency Experian, and to date, I have not received any adequate response. This situation is unacceptable and has caused me a great deal of stress and discomfort. 

Context and Issues Presented Since I started reviewing my credit report, I have found numerous inaccuracies in my personal information, including, among other errors : My second last name appears first and my first last name appears last, which is incorrect. 
My name is placed between my last names instead of appearing only with my two last names, as I have requested. 
Addresses appear that do not correspond to my current place of residence. 

I have taken the following steps to correct these errors : XXXX. Submission of Certified Disputes : I sent certified disputes last year, as evidenced by the attached photographs, which are the proof of receipt for these disputes. 
XXXX. Correction in Other Agencies : I have successfully corrected my personal information in XXXX and XXXX, where my name and last names now appear correctly, along with a single address. However, Experian has been extremely difficult to contact and resolve the issue. 
XXXX. Attempts at Phone Contact : I tried to contact Experian multiple times last year without success. On XX/XX/XXXX of this year, I managed to speak with a person who assured me that they would send the information to the creditors to update my report, but no action has been taken since then. 

Legal Violations According to the Fair Credit Reporting Act ( FCRA ), Experian is required to : Section 611 ( 15 U.S. Code 1681i ) - Procedures for the correction of inaccurate information : ( a ) ( 1 ) ( A ) : Investigate disputes within 30 days of receiving them. 
( a ) ( 1 ) ( B ) : Notify the information provider of the dispute within five business days. 
( a ) ( XXXX ) ( A ) : Correct or delete inaccurate or unverifiable information within 30 days. 
( a ) ( 6 ) ( A ) : Notify me of the investigation results within five business days after completing the investigation. Experian has failed to meet these legal obligations. Additionally, under Section 1036 ( 12 U.S. Code 5536 ) of the Consumer Financial Protection Act ( CFPA ), Experian has engaged in
unfair and abusive practices by not responding adequately to my disputes.

Requests Given that a considerable amount of time has passed without any response or action from Experian, I request the following : 1. Immediate Response to Disputes : That Experian responds immediately to the submitted disputes, complying with the legal deadlines established for the resolution of disputes. 
2. Correction of Information : That Experian updates and corrects my personal information in their database to accurately reflect my name and last names, as well as my current address. 
XXXX. Written Confirmation : That Experian sends me a written confirmation once the corrections have been made. 

I am deeply upset and outraged by how this agency has handled my case and how it has affected my emotional well-being due to the persistence of inaccuracies in my credit report. I demand that the necessary corrective measures be taken immediately to resolve this situation. 

I look forward to a prompt response. 

Sincerely,