Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
What I've requested twice already : Name : XXXX XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Employers : None ( no employers should be listed ) I am filing this complaint because the credit reporting agencies have failed to update my personal information correctly after two written disputes sent by mail. Despite providing copies of my identification and proof of address, the credit bureaus continue to report multiple variations of my name, old addresses, and employers that do not belong on my credit report. 
Each time I send in disputes, I receive generic letters stating that the information has been verified, that a credit repair company is working on your file, or that I must provide proof of identity again even though that documentation was already provided twice. This is a stall tactic that violates consumer protection laws and wastes both my time and money.

I want to be very clear : this is a factual dispute under FCRA 611 ( a ) and Metro 2 reporting standards, not an identity theft claim. I am not alleging identity theft ; I am requesting correction of factual personal data.

Continuing to report inaccurate or incomplete identifying information such as wrong names, outdated addresses, and employers violates multiple sections of federal law : FCRA 607 ( b ) Failure to ensure the maximum possible accuracy of consumer information.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation within 30 days after receiving a proper dispute.

FCRA 609 ( a ) ( 1 ) Consumers have the right to full disclosure of information in their file. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher
s must not report information they know or should know is inaccurate.

Metro 2 Data Furnishing Guidelines Require uniform identification, one current name, one current address, and accurate employment fields ( or none if not applicable ).

I have already complied with all verification requirements by providing : My valid photo identification.

Proof of my current address ( utility bill and identification showing XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). 
Written disputes mailed via certified mail ( twice ). 
Despite that, the credit bureaus continue to ignore my documentation and return form-letter responses. The credit bureaus are relying on e-OSCAR automated systems rather than conducting human review, which violates the intent of the Fair Credit Reporting Act. No reasonable reinvestigation has occurred. 
I also request that any employers listed on my file be deleted. Employment data is not required for credit-worthiness and is not relevant to my current report. Leaving outdated or unnecessary employment information is misleading and non-compliant under Metro 2 and FCRA 607 ( b ).

It is unacceptable that I must spend time and money repeatedly mailing in documentation while the bureaus refuse to make basic factual corrections. Consumers today are informed, and we are aware of our rights under the FCRA. These recurring failures to update or verify information correctly are exactly why so many lawsuits are filed against the credit bureaus every year.

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