Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Information Solutions , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am formally disputing the inaccurate reporting of personal identifying information on my credit file maintained by Experian. Despite my previous dispute filed in XXXXXXXX XXXX XXXX  through the Consumer Financial Protection Bureau ( CFPB ), Experian has failed to correct or remove the false names being reported on my credit report. The complaint was closed in XXXX, yet the inaccuracies remain. 



The names listed on my credit report are incorrect, misspelled variations, and completely unrelated identifiers that do not belong to me. I have only one legal name. These false names are misleading and create the appearance of multiple identities, which is inaccurate and harmful. 



For verification, I have provided : A copy of my drivers license ( showing my correct legal name ). 
A recent utility bill ( verifying my identity and address ). 




This documentation confirms the only accurate name that should appear on my credit report. Any other variations are erroneous.

Applicable FCRA Violations 15 U.S.C. 1681e ( b ) Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information in my file. Reporting multiple false and misspelled names clearly violates this requirement.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes information, Experian must conduct a reasonable reinvestigation to determine whether the information is inaccurate, and record the current status of the information, or delete it. Experians failure to delete these false names after my prior dispute is a violation of this section.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If disputed information is found to be inaccurate, incomplete, or can not be verified, Experian must promptly delete or correct it. Failure to do so after I provided proof constitutes noncompliance. 






Demand I am demanding that Experian immediately : Remove all inaccurate names from my credit file that are not my legal name. 
Provide written confirmation of the deletions. 
Provide me with an updated copy of my credit report reflecting the corrections.

If Experian continues to willfully report false and unverifiable personal identifiers, I will escalate this matter by filing another CFPB complaint and may pursue further legal remedies for damages as allowed under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 



Please treat this matter with urgency. I expect a response within the 30-day period required under the FCRA. 



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