Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am seeking assistance from the Consumer Finance Protection Bureau after exhausting all efforts to resolve inaccurate reporting with Experian. 

The following events took place : On XX/XX/XXXX, I requested an update to my personal information to include NAME, SOCIAL SECURITY, DOB, EMPLOYER and TELEPHONE NUMBER. I sent in my drivers license, social security card and a bank statement as proof. At the time, my report had 4 different names and 21 different addresses. Only with Experian. No other reporting agency had this information listed. 

On XX/XX/XXXX, I sent the same letter to include the following statement : Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I included the same drivers license, social security card and updated bank statement as proof. The information was not removed from my report. I sent this information certified and return receipt requested. Please see attached Image proof of mailing. 

On XX/XX/XXXX, I called Experian. I spoke with Representative XXXX. I communicated I had sent in all requested verification for updating my personal information. He looked up the information to see if it was on record. Once found, he proceeded to remove XXXX of the XXXX names and XXXX of the XXXX addresses that were not reporting correctly. I thought that was the end and I could move on with my life. 

On XX/XX/XXXX, I tried to access my credit report and the following NOTICE displayed on my account : Sorry, we can not show you todays report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you wont be able to see your report. 

On XX/XX/XXXX, I spoke with Representative XXXX, @ approximately XXXX EST. 
The XXXX deleted names were placed back on my credit report, in spite of the snail mail proof as well as the lengthy time spent on the phone with Representative XXXX to remove the inaccurate names. 

I had a spouse name on my report but I have NEVER married, to date. 
I asked to have access to my credit report. Representative XXXX could see my snail mailed proof of identify. He said I need to send a passport into Experian and then I could resume access to my credit report, have the names update to XXXX name and remove the spouse name. 

On XX/XX/XXXX, I mailed my passport into Experian. I sent this information certified and return receipt requested. Please see attached image for proof of mailing. To date, I am unable to access my credit report. 

Additionally, I have XXXX derogatory items reporting that should have fallen from my credit report. This is impacting my ability to receive a much better mortgage rate. The accounts are as follows : XXXX XXXX XXXXXXXX. The original account was opened XX/XX/XXXX. A previous report AND Representative XXXX said it would remove from my record on XX/XX/XXXX, but as of XX/XX/XXXX, it still shows on record. 

XXXX XXXX. The original account was opened XX/XX/XXXX. A previous report AND Representative XXXX said it would remove from my record on XX/XX/XXXX, but as of XX/XX/XXXX it is still showing on record. 

Lastly, Experian is making this a NO WIN situation for the creditee. It is unfair. 
If I send in a letter, the information is ignored. 
If I send in a follow up letter with the same information, it is ignored. 
If I call, my inquiries are listed as disputes whether I like it or not. I have no say in the matter. I also lose the ability to have a paper trail. Its a NO WIN situation for the creditee which is simply unfair!

They are in violation of FCRA section 611 ( a ) ( 1 ) ( A ). Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As a side note, I DID NOT HAVE THESE PROBLEMS WITH 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