Consumer complaint received 2024-12-15 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:
I am writing this complaint to the CFPB because when I recently reviewed my credit profile I was dismayed to find that, despite my previous request, that the credit reporting agency of EXPERIAN has failed to correct the inaccuracies in my personal information. This letter serves as my second formal notice requesting immediate action to rectify these errors. I request that you delete the inaccurate information from my credit profile within the next thirty days. Below, I have outlined the specific details of my personal information that are inaccurately reported and must be removed without delay : - Name : My name is XXXX XXXX XXXX. I do not have any other names or aliases, am not associated with any other names, nor do I desire any such information to be retained or reported. If any other names or aliases are reported, they must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information without infringing on my consumer rights. Correct my name on my credit report to reflect the following name ; XXXX XXXX XXXX any other names not spelled and included in its entirety are therefor inaccuarate. Attached to this document is the proof of my identity. 

- Address : My current and only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. I do not have any other current addresses, nor do I desire any other addresses to be retained or reported, all other addresses or previous addresses are not mine and are non-mailable addresses for XXXX XXXX XXXX, therefore inaccurate. Any additional addresses must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information. Attached to this document are my proofs of address. 

- Date of Birth : My date of birth is XX/XX/year>XXXX  and is to be reported exactly in this manner any other combination is inaccurate. I do not have any other dates of birth, nor do I desire any such information to be retained or reported. If any other dates of birth are reported, they must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information. Please reference the attached document. 

- Telephone Numbers : I do not have any requisite telephone numbers, nor do I desire any telephone numbers to be retained or reported. Any retained telephone numbers must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information. 

- Employers : I do not have any requisite employers listed, nor do I desire any employers to be retained or reported. If any employers are reported, they must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information. 

- Spouses, Roommates, Co-Applicants : I do not have any requisite spouses, roommates, or co-applicants, nor do I desire any such information to be retained or reported. Any related information must be deleted immediately unless you can provide proof of your legitimate authority to retain and report such information. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), you are required to ensure the accuracy and completeness of the information you report. This is my second notification alerting you to inaccuracies in my credit report. By failing to correct these errors, you are now in violation of the FCRA, including but not limited to : - 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

- 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

- 15 U.S.C. 1681c : Reporting obsolete information or retaining data longer than permitted.

If the inaccuracies are not corrected within thirty days from the date of this letter, I will be compelled to seek legal recourse to enforce my rights under the FCRA. Furthermore, I request that once you have corrected the inaccuracies, you provide me with a complete and updated copy of my credit report reflecting these changes. Please send this corrected report to my address at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Thank you for your prompt attention to this matter. If I do not receive a response or corrective action within the designated timeframe, I will interpret this as non-compliance, and appropriate legal measures will be taken. 



Sincerely, XXXX XXXX XXXX UCC1-304, UCC1-308 ALL RIGHTS RESERVED WITHOUT RECOURSE WITHOUT PREJUDICE

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