Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX PHONE : XXXX EMAIL : XXXX DATE OF BIRTH : XX/XX/XXXX SSN ( LAST XXXX ) : XXXX REPORT NUMBER : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX RE : FORMAL FCRA, FDCPA, AND XXXX XXXX XXXX COMPLAINT INCORRECT PERSONAL IDENTIFIERS AND MIXED-FILE DATA SUBJECT : REQUEST FOR DELETION, BLOCKING, AND IDENTITY CORRECTION To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit XXXX Resource XXXX XXXX XXXX XXXX standards. My Experian consumer file contains several inaccurate and misassociated personal identifiers that compromise the accuracy and integrity of my consumer identity profile. 

The following names currently appear on my Experian file : XXXX. XXXX XXXX XXXX ACCURATE XXXX. XXXX XXXX INACCURATE XXXX. XXXX XXXX XXXX INACCURATE ( THIS IS MY MOTHER ) XXXX. XXXX XXXX INACCURATE ( THIS IS MY MOTHER ) Only XXXX XXXX XXXX is my correct legal identity. All other names represent mixed-file conditions and improper identity linkage. 

Experian is also reporting an address that does not belong to me : XXXX XXXX XXXX XXXX, LA XXXX This address has never been associated with me and must be deleted. 

These inaccuracies violate : FCRA 602 ( A ) : FAILURE TO MAINTAIN ACCURATE AND FAIR REPORTING FCRA 607 ( B ) : FAILURE TO FOLLOW PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY FCRA 609 ( A ) : FAILURE TO PROVIDE ACCURATE DISCLOSURE FCRA 611 ( A ) : FAILURE TO CONDUCT A REASONABLE REINVESTIGATION FCRA 611 ( A ) ( 5 ) : FAILURE TO FOLLOW REINSERTION RULES FCRA 605B : FAILURE TO BLOCK MISASSOCIATED INFORMATION Additionally, Metro 2 XXXX requires proper alignment of identity fields, prevention of cross-consumer contamination, accurate handling of consumer identification information, and prohibition of mixed-file reporting. The reporting of my mothers identities and an unrelated address violates these standards and jeopardizes the integrity of my consumer file. 

I am requesting immediate correction and compliance, including : XXXX. RETAIN ONLY : XXXX XXXX XXXX XXXX. DELETE THE FOLLOWING INCORRECT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE THE INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX, LA XXXX XXXX. BLOCK ALL INCORRECT IDENTIFIERS FROM REINSERTION UNLESS FULL FCRA XXXX ( A ) ( XXXX ) ( B ) CERTIFICATION IS MET. 
XXXX. PROVIDE A CORRECTED COPY OF MY CONSUMER FILE AFTER COMPLETION OF THE INVESTIGATION. 
XXXX. SEND ALL UPDATED REPORTS AND RESULTS TO : XXXX XXXX XXXX, XXXX, LA XXXX XXXX. PROVIDE ESOCAR AND ADCV VERIFICATION SHOWING THAT : EXPERIAN RAN MY DISPUTE THROUGH THE APPROPRIATE AUTOMATED COMPLIANCE SYSTEMS XXXX XXXX IDENTITY FIELDS WERE VALIDATED ANY FURNISHERS WERE CONTACTED IDENTITY ALIGNMENT AND ACCURACY CHECKS WERE COMPLETED ADDITIONAL INQUIRY REVIEW : The following inquiries require verification under FCRA 604 and 609 ( a ) : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Please provide the permissible purpose and the source of authorization. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Please provide documentation showing permissible purpose and identity verification at the time of pull. 

XXXX XXXX XXXX XX/XX/XXXX AND XXXX ADDITIONAL DATES Multiple inquiries were made. I am requesting verification of permissible purpose for each inquiry and explanation for multiple pulls. 

XXXX XXXXXX/XX/XXXX I am requesting verification of permissible purpose for this inquiry. 

If Experian can not provide legally required documentation demonstrating permissible purpose and authorization for any of these inquiries, they must be removed pursuant to FCRA 611 and 604 ( a ) ( 3 ).

The misreporting of personal identifiers that do not belong to me constitutes a direct threat to the accuracy, integrity, and reliability of my Experian consumer file. I request immediate correction as required by federal law. 

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