Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
First and foremost, I take my privacy, and the accuracy of information reported on me extremely serious. Ultimately, the responsibility for maintaining accuracy lies with both the consumer and credit reporting agencies as we must work together to ensure no one including myself is affected negatively by inaccuracies. 

I am writing today to express my deep frustration and disappointment with your continued display of incorrect information on my credit file, despite my numerous attempts to correct the issue. This ongoing inaccuracy is cause for serious concerns, and it is imperative that this matter be resolved immediately. As I can not continue to send documents via certified mail that have already been sent several times before. 
My credit file currently lists incorrect names, specifically XXXX XXXX and XXXX XXXX XXXX, which do not correspond to my identity. I have provided ample documentation to confirm this, including seven documents submitted with my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX. At this point, I insist on an explanation as to why these inaccuracies persist and why the necessary corrections have not been made. Your agency is familiar with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), so I do not need to repeat it here. In your response please provide, under the Fair Credit Reporting Act, the section and U.S. Code indicating Credit Agencies are permitted to include or retain in a consumers credit file information they deem accurate. Furthermore, I explicitly requested that my birth date and the year be excluded from my credit file, yet the year still remains visible. This is another clear indication of the disregard for my requests and privacy. Additionally, in XX/XX/year>, I purchased a vehicle with financing of my choosing at an interest rate that I knew would not be matched. I did not knowingly give consent to share my information with multiple finance companies. As a result, I request the immediate removal of the following entities from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX While I understand this XXXX be a common practice at dealerships, it should not be allowed. It is crucial that my credit report accurately reflects my identity and personal information to ensure fair and accurate credit evaluations. With that, I thank you for your time and attention to this matter and look forward to your detailed explanation and swift resolution. 

With regards, XXXX XXXX Please note : The image of my face is redacted for privacy purposes. I do not want my image stored in any of the credit reporting agencies files. The written information on the documents provided is what's relevent.

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