Consumer complaint received 2025-12-16 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:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the continued reporting of inaccurate, unverifiable, and mixed personal identifying information on my consumer credit reports. These inaccuracies create a high risk of file contamination, mixed files, and improper association with accounts that may not belong to me.

Despite the credit reporting agencies statutory duty to maintain maximum possible accuracy, my reports contain multiple incorrect names, former addresses, employers, and inconsistent personal identifiers that do not reflect my true identity.

Verified & Correct Personal Information ( ONLY ) The following information is accurate, current, and must be the ONLY information appearing on my credit file : Legal Name : XXXX XXXX XXXX of Birth XXXX XXXXXX/XX/year> Current Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : ( XXXX ) XXXX Inaccurate Information Being Reported Based on my review of my credit reports, the following must be deleted immediately : Incorrect / Variant Names XXXX XXXX XXXX XXXX XXXX XXXX Any other spelling variations, aliases, or former names Improper Addresses ( Current & Previous ) XXXX XXXX XXXX XXXX, XXXX, TX ( all variations, including XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, FL Any address not listed under my verified current address above These addresses are not current, not verifiable, and improperly reported, violating FCRA accuracy standards. 

Employers That Must Be Deleted XXXX XXXX XXXX I did not authorize the reporting or continued association of these employers, and their presence contributes to identity misrepresentation and potential mixed-file harm. 



Legal Basis for This Complaint The credit reporting agencies are in violation of the following provisions : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681a ( 2 ) Reporting information that is not verifiable or has no permissible purpose 15 U.S.C. 1681c ( a ) ( 5 ) Obsolete or misleading information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681b Lack of permissible purpose for reporting extraneous personal data Personal identifying information must be independently verifiable. If it can not be verified, it must be deleted, not updated or reinserted. 



Formal Demand for Resolution I am demanding the following actions : 1. Immediate deletion of all incorrect names, addresses, and employers listed above 2. Confirmation that my credit file reflects ONLY my verified personal information 3. Written confirmation of deletions provided to me 4. Prevention of reinsertion of any deleted personal information without proper certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to comply may result in additional complaints, civil liability, and regulatory escalation.

Desired Resolution Immediate deletion of inaccurate personal information Credit profile restricted to verified identifiers only Written confirmation of compliance

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