Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), as they have failed to correct inaccurate personal information on my credit report, despite my repeated attempts to resolve the matter. These ongoing violations, which have occurred after a recent data breach, have left me vulnerable and caused significant stress. Below is a summary of the steps I have taken, and the violations committed by Experian. 

First Dispute XX/XX/year> : On XX/XX/year>, I formally disputed the presence of incorrect names and addresses on my credit report. In this letter, I provided copies of my State ID ( Drivers License ) and a Utility Bill to confirm my identity. I cited 15 U.S.C. 1681g, which obligates credit reporting agencies to ensure accuracy in consumer reports. I requested that these inaccuracies be corrected promptly, as required under the FCRA. 

Second Dispute XX/XX/year> : On XX/XX/year>, I received an alert from Experian indicating that an update had been made to my report. However, no actual corrections were applied, and the inaccurate information remained. This failure to investigate and correct the disputed information is a violation of 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate and correct any inaccuracies following a consumers dispute. I sent a second letter reiterating my demand and once again provided my State ID and Utility Bill as proof of identity. 

Stall Letter XX/XX/year> : On XX/XX/year>, I received a stall response from Experian stating that my request had not been processed because credit grantors had not yet corrected the spelling of names and addresses. Despite having already submitted proof of identity twice, Experian requested this information again. This constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, entitling me to damages for non-compliance. Additionally, 15 U.S.C. 1681c-2 mandates that inaccurate or fraudulent information related to a data breach be promptly blocked upon proper notice, which Experian failed to do. 

Continued Inaccuracies and Data Breach Impact : The recent data breach has exposed my personal information to potential identity theft, heightening my concern. Experians failure to remove incorrect personal information has left me vulnerable and has exacerbated my distress. Experian has violated 15 U.S.C. 1681c-2 by failing to block the inaccurate data despite being informed of the breach and the errors.

Identified Violations : I have identified at least five distinct violations of the FCRA, including : 15 U.S.C. 1681g : Failure to ensure the accuracy of my credit report.

15 U.S.C. 1681i : Failure to promptly investigate and correct inaccuracies.

15 U.S.C. 1681s-2 : Willful reporting of inaccurate information.

15 U.S.C. 1681c-2 : Failure to block incorrect information following a data breach.

15 U.S.C. 1681n : Willful non-compliance with the FCRA, entitling me to {$1000.00} in damages per violation.

Compensation Demand : Based on the five violations of the FCRA, I am requesting compensation of {$5000.00} ( {$1000.00} per violation ). I have provided all necessary documentation to support my identity and dispute, and Experian has failed to comply with its legal obligations.

Requested Resolution : Immediate removal of inaccurate names and addresses from my credit report.

Written confirmation of the correction.

Compensation of {$5000.00} for the five FCRA violations ( {$1000.00} per violation ).

I have attached copies of all prior correspondence, proof of my identity, certified mail receipts, and Experian 's stall letter from XX/XX/year>, as evidence of their repeated violations.

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