Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this formal complaint regarding the inaccurate and fraudulent information appearing on my credit report. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I have discovered multiple errors on my credit report, including incorrect names, addresses, and accounts that are not associated with me. These inaccuracies are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be immediately investigated and corrected. 

Under 15 U.S.C. 1681i, credit reporting agencies have a legal obligation to conduct a reasonable reinvestigation of any disputed information. Despite my identity being clearly established as XXXX XXXX at my Ohio address, my credit report contains accounts and personal information that do not belong to me. Any accounts, names, or addresses not directly tied to XXXX XXXX and my Ohio residence must be removed immediately. Continuing to report inaccurate and unverifiable information violates the FCRAs accuracy requirements. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The presence of incorrect names, addresses, and fraudulent accounts demonstrates a failure in their duty to ensure the integrity of my credit file. Courts have ruled that failure to remove incorrect information after a dispute can result in legal consequences, as seen in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court emphasized that credit bureaus must conduct meaningful investigations, not just rely on automated verification. 

Furthermore, these errors are causing material harm to my financial standing and creditworthiness. The inclusion of fraudulent accounts or incorrect personal data negatively impacts my credit score, potentially affecting my ability to secure loans, housing, or employment. Under 15 U.S.C. 1681n and 1681o, both willful and negligent noncompliance with the FCRA make credit reporting agencies liable for damages. Their continued failure to remove this inaccurate information is an ongoing violation of my consumer rights. 

I demand that the CFPB take immediate action to investigate and enforce my rights under the FCRA. I request the removal of all incorrect names, addresses, and accounts that are not associated with XXXX XXXX and my verified address in XXXX, Ohio. The credit reporting agencies must provide confirmation of these deletions and ensure that this misinformation does not reappear on my report. 

Failure to comply with federal law in handling this dispute may result in further legal action to protect my rights. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH 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