Consumer complaint received 2025-06-11 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NM XXXX XXXX | ( XXXX ) XXXX XXXX : XX/XX/XXXX | XXXX : XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Notice Unauthorized Reinsertion of Inaccurate Name and Unverifiable Utah Address To Experian, I am again forced to address Experians failure to maintain accurate and verifiable information in my credit file. Despite prior disputesboth submitted directly and through the CFPBmy report continues to display inaccurate personal identifiers : an unauthorized name variant and a completely unverifiable address in Utah. 

Let me be clear : The name XXXX XXXX XXXX is not and has never been my legal name. 
The address XXXX XXXX XXXX, XXXX, UT XXXX is a location with which I have absolutely no affiliationpast or present. 
These are not minor clerical oversights. These errors reflect a breakdown in your obligation under FCRA 1681e ( b ) to maintain accurate, verifiable, and complete consumer data. Reinserting themwithout written notification or a data furnishers certificationdirectly violates FCRA 1681i ( a ) ( 5 ) ( B ). You are required by law to notify me in writing within five business days after any reinsertion and confirm that the data furnisher certified the accuracy. I have received neither. 

This mishandling mirrors the exact failures outlined in the XX/XX/XXXX CFPB lawsuit against Experian, where repeated reinsertion of unverifiable and disputed data was deemed a pattern of willful noncompliance. Additionally, the ruling in XXXX v. Experian reaffirmed that failing to correct inaccurate data after a consumer dispute may trigger liability under 1681n and 1681o of the FCRA. 
Here is what must happen immediately : Permanently delete the Utah address. It is unverifiable, fraudulent, and entirely unrelated to me. 
Permanently delete the incorrect name XXXX XXXX XXXX. My full legal name is XXXX XXXX XXXX, and no other spelling or abbreviation is authorized. 
Reinvestigate all personal identifiers for accuracy and completeness. 
If Experian insists on retaining any of the disputed information, I demand full documentationincluding the date of reinsertion and the name of the furnishing entity that certified the data. 
This is a final opportunity to resolve these violations without legal or regulatory escalation. If I do not receive written confirmation within 15 business days, I will escalate the matter to the CFPB, FTC, and the New Mexico Attorney General, and consider filing a formal legal complaint under federal law. 

Experian is not entitled to act with impunity. You are expected to comply with federal statutes designed to protect the accuracy and integrity of consumer information. That responsibility has been ignored here.

Best regards 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