Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding Experians failure to adequately investigate and correct inaccurate and unverifiable information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute these inaccuracies, the issues remain unresolved, and I demand immediate corrective action to ensure my credit report reflects accurate and verifiable information. 

The following inaccuracies have been improperly reported : 1. Addresses : My report includes addresses that I am not affiliated with, which are not linked to my current or previous residence history. 
2. Telephone Numbers : There are phone numbers listed on my credit report that do not belong to me and have never been associated with my personal or financial accounts. 
3. Hard Inquiries : My report shows hard inquiries that I did not authorize or initiate and for which I do not have any current or open accounts with the inquiring entities. 

Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their file. Additionally : 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681c outlines the permissible content in a consumers credit file, and unverified or inaccurate information must be promptly corrected or deleted.

15 U.S.C. 1681b ( f ) restricts the inclusion of hard inquiries to only those initiated by the consumer or with their express consent.

Experian has failed to meet its obligations under these provisions by not thoroughly investigating or resolving my disputes. Furthermore, the continued reporting of inaccurate and unverifiable information has caused unwarranted harm to my creditworthiness and financial standing. 

I demand that Experian immediately : 1. Remove all inaccurate and unverifiable information from my credit report, including : All addresses and names that do not match my current government-issued identification ( e.g., drivers license ).

Any telephone numbers that I have not personally verified as my own.

All hard inquiries that were not authorized by me or associated with a current or open account.

2. Provide a detailed response outlining the actions taken to address these issues. 

If Experian fails to comply with this request within the timeline mandated by the FCRA, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. I am also prepared to pursue legal action to protect my rights under federal law. 

Please consider this letter my formal notice and demand for compliance. I look forward to a prompt response within 30 days, as required under the FCRA. You may contact me at [ your phone number ] or [ your email address ] should you require further information or documentation to resolve this matter.

Sincerely, XXXX 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