Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experians failure to address and correct the inaccuracies on my credit report. I am requesting immediate action to resolve the discrepancies I have encountered. 

After reviewing my credit report, I discovered multiple inaccuracies related to my personal identifying information. Specifically, there are several variations of my name, address, and date of birth that are incorrect. As these inaccuracies can significantly impact my financial standing and creditworthiness, I requested that Experian correct these issues by removing the erroneous entries. 

On XX/XX/year>, I sent a request to Experian to address these inaccuracies. Despite my detailed and direct request, Experian has failed to take the necessary steps to resolve the matter. In response, I have only received automated messages that do not properly address the substance of my dispute. From my understanding, automated responses to disputes are prohibited under the Fair Credit Reporting Act ( FCRA ). According to Section 1681i of the FCRA, credit reporting agencies must investigate disputes and provide a meaningful response within 30 days. However, Experian has failed to respond appropriately, and it is clear that my disputes have been auto-verified without an actual investigation into my concerns.

I have provided clear and sufficient information in my dispute letters, including multiple variations of my identification documents, my Social Security Number, and my date of birth, all of which were attached to each of my letters. I have made it impossible for Experian to claim that they are unable to verify my identity. The lack of a direct response to my specific concerns, and the continued request for the same personal information, shows a lack of proper attention to my dispute. 

These stall tactics are a violation of my rights as a consumer. Under the FCRA, I am entitled to accurate and up-to-date information being reported on my credit report. Experians failure to address these inaccuracies is impacting my financial standing and causing unnecessary delays and complications with my credit applications. This ongoing issue is in violation of my consumer rights under the FCRA, which ensures the accuracy and integrity of the information reported on my credit report. 

In addition, Experians failure to comply with XXXX XXXX standards, which are used for the accurate reporting of credit data, further contributes to the ongoing issue. The discrepancies on my credit report have caused significant harm to my ability to secure credit, as financial institutions have been unable to properly verify my identity. 

I request that the CFPB take appropriate action to ensure that Experian complies with the law and addresses these inaccuracies on my credit report. A proper resolution would be for Experian to remove all variations of the following personal identifying information that do not match the correct information below : Correct Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, NC XXXX I expect Experian to promptly correct this issue and provide a meaningful response that addresses the discrepancies. If Experian continues to fail to comply with the law, I request that appropriate legal actions be taken to hold them accountable for their failure to maintain accurate credit reporting. 

Thank you for your prompt attention to this matter. I look forward to a resolution and a response at your earliest convenience. 

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