Consumer complaint received 2025-03-18 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: WI

Complaint narrative:
My Experian credit report showed two names, several addresses, and accounts that were not associated with me. I first attempted to resolve the matter via phone to dispute the information. The representative asked for my current personal information, however upon further review the birth year was listed incorrectly. The incorrect names and addresses remained on my credit file. I was unable to file a dispute over the phone as there were numerous accounts that were unfamiliar to me and I need to investigate further. The representative also informed to contact the creditors. I called a home loan loan and another creditor that had multiple inaccurate accounts. When I was asked to provide my personal information. Neither of them were able to locate an account with my personal information. I did not call all the creditors due to the number of invalid accounts that were than listed. I then attempted to use the online dispute process, however many of the incorrect accounts were unable to be addressed without calling Experian or via mail. I was unable to resolve the incorrect names and addresses online since they were also tied to these inaccurate credit accounts. I then wrote a letter outlining all of the inaccurate names, addresses, and accounts to file a dispute ( XX/XX/XXXX ). I received an email response stating that I needed to file an identify theft report with the local police department to further the dispute process along. I visited the police department XX/XX/XXXX and the officer had to defer to a detective because he was unsure how to proceed. Both the officer and detective seemed dumbfounded and felt as though there was nothing that they could do to assist at this time. It was suggested that I check my credit report through XXXX and XXXX reports. I have since checked both reports and neither have the inaccuracies that Experian included in my credit report. This suggests that the errors are with Experian. Experian has sent notifications that some of the accounts have been removed, however they are still showing on my most recent credit report. I have received other notifications that indicate that the account will remain, yet it is an account that is unfamiliar to me. Despite some of the disputes being rectified per the notifications from Experian, the credit report still reflects inaccurate accounts that were delinquent as negatively impacting my credit. I have been dealing with attempts to resolve these inaccuracies with Experian for about XXXX to XXXX XXXX years. I came across a news article today that indicated the CFPB was suing Experian for failure to resolve disputes and the description in the article described my current situation well. Experian 's resolution experience has caused additional stress, a poor credit score, and additional time.

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