Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to express my outrage regarding your company 's blatant and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i, 1681s-2, and 1681q. Your reckless disregard for the law has caused significant harm to my personal and financial well-being.

1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
6. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
Under XXXX XXXX XXXX XXXX, consumer reporting agencies are mandated to promptly investigate disputes concerning the accuracy of information in a consumer 's file. Despite my repeated notifications about inaccuracies in my credit report, your agency has willfully ignored these disputes, failing to conduct any reasonable reinvestigation as required by law. This negligence is unacceptable and has directly impacted my creditworthiness.Legal Information Institute 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX  XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX Furthermore, as delineated in 15 U.S. Code 1681s-2, furnishers of information are legally obligated to provide accurate data to consumer reporting agencies and to correct any inaccuracies promptly. Your organization 's deliberate dissemination of false information, coupled with your refusal to rectify these errors upon notification, constitutes a flagrant violation of federal law. This irresponsible behavior has inflicted undue stress and financial hardship upon me. 
Most alarmingly, your actions may constitute obtaining information under false pretenses, as prohibited by 15 U.S. Code 1681q. Knowingly and willfully acquiring consumer information under false pretenses is a criminal offense, punishable by fines and imprisonment. Your company 's deceptive practices in this regard are not only unethical but also illegal.Legal Information Institute These violations carry severe penalties, including substantial fines and potential imprisonment. Your company 's blatant disregard for the law demonstrates a shocking level of irresponsibility and contempt for consumer rights. 
To resolve this matter, I demand the following actions : 1. Immediate correction of all inaccuracies in my credit report.

2. A formal, written apology acknowledging your company 's legal violations and the distress caused.

3. Compensation for any damages incurred as a result of your unlawful actions.

Failure to comply with these demands within 10 business days will leave me no choice but to pursue all available legal remedies, including filing complaints with the Federal Trade Commission and initiating a lawsuit against your company. 
I expect your prompt and full cooperation to rectify this matter immediately.

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