Consumer complaint received 2025-02-16 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:
Subject : Dispute of Inaccurate Credit Report Information Violations of 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my Experian credit report, which violate 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) and 15 U.S.C. 1681i ( failure to correct or remove inaccurate information ). Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate records and promptly investigate and correct any errors. However, Experian has reported erroneous negative accounts and incorrect personal information on my credit file, and I am requesting an immediate investigation and correction. 

Upon reviewing my credit report, I identified two charge-off accounts that contain discrepancies among credit bureaus. The first is a XXXX XXXX charge-off account, which is reported by XXXX, XXXX, and Experian. The balance is listed as {$310.00}, with a credit limit of {$800.00} and a credit utilization of 39 %. The account was opened in XX/XX/XXXX, and XXXX reports a closed date of XX/XX/XXXX, while XXXX lists the last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not report last activity at all. The second is an XXXX XXXX XXXX  charge-off account, also reported by XXXX, XXXX, and Experian. The balance is listed as {$230.00}, with a credit limit of {$600.00} and a credit utilization of 39 %. The account was opened in XX/XX/XXXX, and XXXX reports a closed date of XX/XX/XXXX. However, XXXX lists the last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not report any last activity. These inconsistencies demonstrate that Experian has failed to ensure maximum possible accuracy before reporting this information. 

In addition to the incorrect account information, Experian has also reported inaccurate personal details. My credit report incorrectly lists my name as XXXX XXXX, while my full legal name is XXXX XXXX XXXX XXXX. Furthermore, it includes an incorrect previous address, XXXX XXXX XXXX, XXXX, CT XXXX, where I have never resided. My correct and only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These errors are misleading and could negatively impact my credit profile. 

I formally request that Experian investigate these inaccuracies and provide verifiable proof that this information is correct. If Experian can not verify the accuracy of the disputed items, they must be removed from my credit report immediately. I have enclosed a copy of my credit report highlighting the discrepancies. If Experian fails to correct these errors, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies, as well as pursuing legal action if necessary. 

As required by law, I expect a written response within 30 days confirming the results of the investigation and detailing any corrections made. Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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