Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Personal Information on My Credit ReportName : XXXX XXXX XXXX Social Security Number : [ XXXX ] Dear Experian Dispute Department, This letter serves as formal notice of inaccuracies in the personal information section of my credit report. I am requesting immediate removal and correction of the erroneous information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and any relevant state or federal consumer protection laws. 

The following inaccuracies have been identified and must be addressed : Addresses Listed ( Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hills, MI XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Numbers Listed ( Inaccurate ) : XXXX XXXX ) XXXX ( XXXX ) XXXX Employer Listed ( Inaccurate ) : XXXX XXXX  XXXX XXXX  Names Listed ( Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Name : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : None The inaccurate reporting of the above-listed information is causing undue harm to my financial standing, and I am exercising my rights under : Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) Right to dispute inaccurate information Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) Duty to maintain accuracy Consumer Financial Protection Bureau Guidelines To ensure fair and accurate reporting practices Relevant Court Cases : Cushman v. XXXX  Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Reinforces the duty of credit reporting agencies to conduct a thorough and reasonable reinvestigation of disputed information.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Establishes that credit reporting inaccuracies can cause concrete harm, entitling consumers to legal remedies.

Guimond v. XXXX, 45 F.3d 1329 ( 9th Cir. 1995 ) : Confirms that consumers may recover damages under the FCRA for reporting inaccuracies.

Immediate Action Required : I request that Experian : Conduct a thorough reinvestigation of the inaccurate information.

Remove or correct all incorrect addresses, phone numbers, names, and employer information.

Confirm the deletion of the information and provide me with an updated credit report reflecting these corrections.

Please consider this letter formal notice to both principal and agent regarding my intention to pursue arbitration or legal action if these inaccuracies are not resolved within the legally allotted time frame under the FCRA ( 30 days from receipt of dispute ).

Should you require any supporting documentation, please contact me immediately. I expect Experian to comply with all legal obligations and to correct these errors without delay. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation