Consumer complaint received 2024-11-04 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:
Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing. 

My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. 

Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. 

If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. 

I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. 
The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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