Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Experian has incorrectly reported my date of birth as XXXX, when I was actually born in XXXX. This error does not appear on my reports from XXXX XXXX XXXX, and it was not submitted by any of my financial institutions. Only Experian is reporting this false information. 

This incorrect date of birth has caused my credit report with Experian to become inaccessible. I have had issues applying for rental housing, credit cards, andmost urgentlyI have been told this must be resolved before I can qualify for a loan on my first home. I am running out of time before I have to move again. I am XXXX XXXX XXXX and have had a credit report since I was XXXX. This incorrect birth year was first reported by Experian in XXXX. Suddenly reporting that I was born in XXXX makes no sense and is clearly a data error on Experians part.

I have attempted multiple times to dispute this through Experians official channels, but their dispute process is unacceptable. The online dispute portal tells me my birthdate is already correct and blocks any further action, prompting me to call their support line. That support line confirms the birthdate is not correct, that it is a data error not reported by my financial institutions, yet they still can not fix it. Their document upload system has been down for over two months, and their phone support forces me through an AI system for up to 45 minutes before I can reach a human being. When I do reach a person, I am told that the only option is to mail sensitive documentsincluding my Social Security number, copies of my drivers license, and copies of my birth certificateto a XXXX XXXX XXXX USPS, which is an insecure and outdated method. 

I mailed these documents once, and Experian now claims they never received them. Meanwhile, USPS tracking shows that the package is still moving through the network. two weeks later. As a result, I am now dealing with not only inaccurate information on my credit report, but also a potential identity theft concern. After escalating through social media and public reviews, I was finally given a direct phone number and was told that the issue could be resolved over the phone with their dispute department. I briefly spoke to a representative who acknowledged the problem and said that secure alternatives such as email or fax might be available. Unfortunately, we were disconnected, and every representative I spoke to afterward refused to offer any solution beyond mailing documents again. 

Experians own policies do not list date of birth as something that must be disputed by mail, yet they are refusing to process my dispute by phone, email, or any secure digital method. This issue has negatively affected my life since XXXX, and I only recently discovered that Experian was the source of the problem after a meeting with my bank.

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