Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Fraudulent Personal Information in Violation of 15 U.S.C. 1681e ( b ), 1681c-2 Dear CFPB Officer, I am filing this formal complaint regarding multiple items of inaccurate and fraudulent personal information appearing on my consumer credit reports issued by Equifax, Experian, and TransUnion. These entries are factually incorrect, not associated with my legal identity, and were never authorized or submitted by me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c-2, credit reporting agencies are required to ensure maximum possible accuracy and block/delete disputed personal information when a consumer provides notice of identity theft, fraud, or mistake. 

Despite prior attempts to resolve these inaccuracies directly with the credit bureaus, these false records remain, damaging my creditworthiness and exposing me to identity confusion and potential financial harm. 

A. Inaccurate Former/Alias Names ( A/K/A ) XXXX, XXXX, XXXX ( appears in multiple incorrect variations ) This is not my legal name and does not reflect my identity. Its presence in my credit file is either due to misfiled data or identity fraud. It must be permanently removed from all records. 

B. Incorrect Address History The following addresses do not belong to me, and I have never resided at or been associated with any of them : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are factually incorrect and constitute inaccurate reporting in violation of federal law. 

C. Fraudulent Employment Listing Employer listed : " XXXX XXXX '' I have never submitted XXXX XXXX as my employer, nor have I ever authorized any credit bureau or data furnisher to report this false employment status. This is incorrect and unverified information and must be removed immediately. 

Legal Grounds for Deletion : Under the FCRA : 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681c-2 ( a ) requires that inaccurate or fraudulent identity data be blocked or deleted upon request and verification by the consumer.

Continued reporting of these false identities and addresses is negligent or willful noncompliance, actionable under 15 U.S.C. 1681n and 1681o.

Requested Relief : I demand that the CFPB intervene and compel the credit reporting agencies to : Delete all inaccurate names, addresses, and employment data listed above from my credit reports with TransUnion, Equifax, and Experian.

Ensure that no similar variations or false data are reinserted into my file.

Provide written confirmation of full removal within 30 days.

Failure to act may result in additional legal and regulatory action, including complaints to the Federal Trade Commission ( FTC ), State Attorney General, and pursuit of civil damages under the FCRA.

Thank you for your immediate attention to this matter.

Sincerely,

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