Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to adequately investigate and address multiple disputes I have raised regarding errors on my credit report. These errors have negatively impacted my credit score, and despite my repeated efforts to resolve the issues, Experian has not conducted a thorough or true investigation and further I genuinely believe it is their tactic to make it very difficult to dispute anything and not in their best interest to fix the reports because they sell credit boosting services that make them money. Below are the key issues I have encountered : Incorrect Address : I have disputed an incorrect address listed on my credit report multiple times. The address belongs to my ex husband not myself I have no way of letting them know that bc they do not make it easy or practical to dispute it. I found ways to dispute it, via identity theft if my ex is using his address and my name, however, Experian has not corrected the error or provided sufficient information regarding their investigation. The incorrect address is affecting my credit file, and I have requested a proper review to ensure that only accurate and up-to-date information is reflected. 

Incorrect Credit Score Adjustment After Mortgage Servicer Transfer : When my mortgage was sold to another servicer, I noticed a significant reduction in my credit score. I have no way of disputing this with Experian, NOR should I have to. THis is not something I hae any control over. explaining that the sale of the mortgage should not have impacted my score in this manner. However, despite my concerns and submission of relevant documentation, Experian has failed to resolve this issue and adjust my credit report accordingly. 

Refusal to Remove Late Fees Related to My Ex-Husbands Accounts : There are late fees appearing on my credit report that are associated with my ex-husband 's mortgage accounts. These fees should not be attributed to me, as they are not my responsibility. I have made multiple attempts to have these removed from my credit report, yet Experian has repeatedly refused to investigate or correct this issue or makes it impossible to dispute some issues in favor of their " credit boosting '' product offerings. 

I am seeking a full and proper investigation into these matters, the correction of all inaccuracies on my credit report, and a restoration of my credit score to its rightful status. Experian 's repeated failure to address these issues is causing unnecessary harm to my creditworthiness, and I request that the CFPB intervene to ensure that these errors are resolved swiftly and accurately. 

Thank you for your attention to this matter. I appreciate your prompt action in addressing my concerns.

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