Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Mixed Credit File and Failure to Provide Access to Credit Report Dear Experian Consumer Relations, I am writing to formally file a complaint against Experian for its failure to properly maintain my credit file, which has resulted in my credit report being mixed with another individual 's information. As a result of this error, I have been unable to access my credit report online since XX/XX/XXXX. Despite multiple disputes, phone calls, and conversations with Experian supervisors, the issue remains unresolved. TTHE SUPERVISORS STATED I NEED TO HAVE NA OPENED ACCOUNT IN ORDER TO HAVE MY ADDRESS UPDATED. I think that is nonsense. I am trying to remove all the inaccurate information Experian has on my consumer credit report. 

This situation is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to maintain accurate and complete consumer information and ensure that individuals have access to their credit reports. Specifically : Right to Access Credit Report : Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must provide consumers with access to their credit reports upon request. Experian 's failure to correct my mixed file and provide me access to my own report is a violation of this statute. 

Duty to Maintain Accuracy : Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. The presence of incorrect names and addresses in my file indicates a clear failure to comply with this requirement. 

Failure to Correct Information : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to investigate disputes and correct inaccuracies within 30 days. Despite my repeated disputes and calls, the issue persists, further violating my rights. 

This ongoing problem has caused me significant frustration and inconvenience, as I am unable to monitor my own credit history or ensure the accuracy of the information being reported. I am formally demanding that Experian : Immediately correct my credit file to remove any inaccurate information, including names and addresses that do not belong to me. 

Provide me with direct access to my credit report online, as I am legally entitled to under the FCRA. 

Confirm in writing that my file has been corrected and that my access has been restored. 

Provide a clear explanation of why this issue has not been resolved despite previous disputes and communications with Experian representatives. 

If Experian fails to take immediate corrective action, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. I am prepared to take legal action to enforce my rights under the FCRA if necessary. 

Please respond to this complaint within 10 business days from the date of this letter to confirm resolution. You may contact me via email at XXXX for any necessary follow-ups. 

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