Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I reviewed my Experian credit report to audit the accuracy of my personal information. During this review, I identified several discrepancies and incorrect pieces of personal data. That same day, I drafted a detailed dispute letter clearly identifying each inaccuracy and specifying the corrective action requested. I included valid, legal supporting documents verifying the correct information, and I sent the letter via certified mail to Experians official dispute address listed on their website. 

According to USPS tracking, the letter was delivered and received on XX/XX/year>XXXX 

However, on XX/XX/year>, I received an email from Experian stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request ... '' This response is both inaccurate and dismissive. I, and only I, drafted and submitted the dispute. I followed Experians own published guidelines, which state that consumers may dispute inaccuracies by mail and are required to submit identity documents and a clear explanation of the issues which I did. 

Experian 's website specifically confirms that certain items, such as names and addresses, often can not be disputed online and require review by a dispute specialist. This made mailing in my dispute the most appropriate and only option available. 

Experian has denied me my legal right to dispute and correct inaccurate information under the Fair Credit Reporting Act ( FCRA ), which clearly states : " If the completeness or accuracy of any item of information contained in a consumers file... is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge ... '' I am extremely concerned that Experian failed to investigate or process my mailed dispute, despite it being properly submitted with documentation and within their own stated dispute process. This negligence not only violates the FCRA, but it also leaves me vulnerable to fraud, identity theft, and potential denials of credit due to inaccurate personal information. 

Additionally, I want to address the misleading layout of Experians website. At first glance, the site displays only minimal personal information, which appears mostly accurate. However, once I navigated deeper into my account, I uncovered extensive inaccuracies. I found 15 different addresses, including duplicate entries listed in slightly different formats, 3 phone numbers that do not belong to me, and my name listed in 11 different variations. That I only found after sending my dispute letter. 

This presentation is deceptive and gives the false impression that the information is accurate and complete when it is not. It misleads consumers and makes it unnecessarily difficult to identify and correct critical errors that could lead to identity theft or misrepresentation.

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