Consumer complaint received 2024-09-19 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: WA

Complaint narrative:
Company Information : Company Name : Experian, XXXX, XXXX Complaint Details : I am filing this complaint against Experian, XXXX and XXXX for their failure to remove incorrect and unrelated addresses and names from my credit report, despite multiple disputes and verbal confirmations from their agents. 

Issue Summary : 1. Inaccurate Addresses on My Credit Report : o The only correct address associated with me is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

o The incorrect addresses I requested to be removed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names on My Credit Report : o The only correct name associated with me is XXXX XXXX XXXX. 
o All other names listed on my credit report are incorrect and should be removed. 
XXXX. XXXX XXXX. XXXX Steps Taken : 1. Initial Written Dispute ( Over 60 Days Ago ) : I submitted a written disputes to Experian, XXXX and XXXX more than 60 days ago through regular mail. In this dispute, I requested the removal of incorrect addresses and names from my credit report and provided proof of my identity and correct address ( government-issued ID and utility bill ). I did not send this letter via certified mail, as I trusted that the companies would act on my request. However, I never received any written confirmation, and no corrections were made. 

2. First Phone Call ( Over 30 Days Ago ) : I called all three bureaus Experian, XXXX and XXXX after noticing that no action had been taken. I spoke with agents who all confirmed that the information was incorrect and assured me that it would be removed immediately. I did not document the agents ' names or employee numbers, trusting their words. Despite this, no updates were made to my report. 

3. Second Phone Call ( 15 Days Ago ) : After still not receiving any updates or corrected credit reports, I made another phone call 15 days ago. The second sets of agents also apologized for the delay and assured me that the corrections would be made right away. I was promised an updated credit report within 7-10 days, but I still have not received any response, and the incorrect information remains on my credit report.

4. Recent Credit Report Check : I recently checked my credit reports again, and the incorrect addresses and names are still listed. No action has been taken despite the assurances made by the Experian agents. 

Reasons for Lack of Documentation : I did not submit my disputes via certified mail, nor did I document the agents ' names, because I trusted that the representatives would act on their promises and correct my credit reports. Given the repeated failure of Experian, XXXX and XXXX to do so, I now realize the importance of these steps, but this should not excuse Experians, XXXX 's and XXXX 's obligations to follow the law and resolve my disputes within the legally mandated timeframe. 


Thank you for your attention to this matter. 
Sincerely, XXXX 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