Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX **Date : XX/XX/XXXX, XXXX** **Experian Consumer Services** XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Urgent Request for Address Removal and Correction in Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute and request the immediate removal of an incorrect address and any fraudulent accounts associated with this address from my credit report. The address XXXX XXXX XXXX, XXXX XXXX FL XXXX is NOT mine, and I have never resided at this location. This information is entirely inaccurate, and I demand that it be deleted from my credit report without delay. Any accounts associated with this address should also be removed as they are fraudulent and unknown to me. 

Attached, you will find the following documents to support my request : - **Copy of my Driver 's License** - **Copy of my Social Security Card** - **Proof of residence** at my correct address. 

Please update my credit file to reflect the ONLY accurate and verified address where I have lived : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX This is the ONLY correct and verifiable address for me, and any other address or associated accounts are false and fraudulent. I am requesting that Experian remove the erroneous address XXXX XXXX XXXX, XXXX XXXX FL XXXX, and any related fraudulent accounts immediately. 

Furthermore, please be advised that any willful non-compliance with the Fair Credit Reporting Act ( FCRA ) will be seen as a violation of federal law, including but not limited to : - **15 U.S.C. 1681e ( b ) ** : Requiring credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

- **15 U.S.C. 1681i** : Mandating that disputed information be reinvestigated and corrected.

- **15 U.S.C. 1681s-2** : Holding data furnishers responsible for the accuracy of the information they report. 

If Experian knowingly continues to maintain or report false information, this will constitute willful non-compliance under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, exposing Experian to potential legal action and civil penalties. Any such non-compliance will be used as evidence of Experian 's participation in fraudulent practices under the FCRA and the U.S. Code, and I will take all necessary steps to hold Experian accountable for its actions.

Please promptly update my credit report to reflect only the accurate information, and confirm in writing that this correction has been made. I expect that any further communication from you regarding this matter will be done in accordance with the provisions of the FCRA, and I will keep detailed records of any future issues.

Thank you for your immediate attention to this matter. I look forward to your confirmation of this correction. 

Sincerely, XXXX XXXX XXXX XXXX -- - **Enclosures** : - Driver 's License - Social Security Card - Proof of Residence

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