Consumer complaint received 2024-11-14 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:
Experian Consumer Dispute Department XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Request for Removal of Fraudulent Address on Credit Report Dear Experian, I am writing to formally demand the removal of the following fraudulent address from my credit report : XXXX XXXX XXXX, XXXX, Florida XXXX. I have contacted your bureau on numerous occasions at least ten documented times to rectify this issue and remove this incorrect information. Despite my repeated requests, Experian has continued to report this erroneous address, which does not belong to me.

As per my rights under the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate information on my credit report. By continuing to report this inaccurate information, Experian is in violation of both federal law and my rights under the FCRA. Please be advised that I am prepared to take legal action if this matter is not addressed immediately.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a reasonable investigation upon notification of disputed information. The continued presence of this fraudulent address despite repeated requests for its removal suggests a failure on your part to conduct a reasonable investigation. Further, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), highlights that failure to reasonably investigate disputes can constitute a violation of the FCRA. Furthermore, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that consumer reporting agencies can be held liable for failing to take appropriate corrective actions after receiving notification of a dispute. The court concluded that failure to comply with the FCRA could result in significant financial penalties and that consumer reporting agencies have a duty to investigate and correct inaccuracies on credit reports diligently. 

Your continued failure to remove the fraudulent address from my report is a clear violation of these legal standards, exposing Experian to potential liability. According to the FCRA, you may be held liable for statutory damages up to {$1000.00} per violation, actual damages suffered, and attorneys ' fees if litigation becomes necessary. 

Please consider this letter a final request for Experian to immediately delete XXXX XXXX XXXX, XXXX, Florida XXXX from my credit report. Failure to do so within 30 days will leave me no option but to pursue legal remedies for Experians non-compliance with the FCRA, including seeking compensation for damages and legal costs. 

Thank you for your immediate attention to this matter. Please send written confirmation of the address removal to the address listed at the top of this letter.

Company response to consumer: Closed with explanation