Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has refused to remove the inaccurate names listed on my credit report. The names in question do not belong to me, I have never used them, and they are not my legal names Reporting of Inaccurate Names on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe notifying the credit bureaus, they have refused to investigate or remove the inaccurate names listed on my credit report. These names do not belong to me, I have never used them, and they are not my legal names. This failure to correct the information violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report be accurate, complete, and verifiable. 

Experian has refused to dispute or remove these names, even though they are clearly incorrect. This constitutes grounds for the removal of the inaccurate information, and by not addressing this issue, Experian has violated my rights under the FCRA regarding the accuracy and completeness of my credit report. 
I request the immediate removal of these incorrect names and expect full compliance with the FCRA requirements. 


XXXX. Failure to Correct Inaccurate Information ( Section XXXX ) * FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) requires that credit reporting agencies ( CRAs ) investigate disputes and correct or delete information that is found to be inaccurate, incomplete, or unverifiable. If you dispute the name on your credit report ( e.g., a misspelling, a maiden name versus married name, etc. ), the credit bureau is legally obligated to investigate the issue, usually within 30 days of receiving your dispute. 

Violation : If the bureau refuses to correct or update your name without conducting a proper investigation or without providing an explanation, it XXXX be in violation of this section. 


XXXX. Failure to Report Accurate Information ( Section XXXX ) * FCRA XXXX XXXX ( XXXX U.S.C. XXXX ( b ) ) mandates that a credit reporting agency must maintain accurate and complete information in your credit file. If your name is inaccurately reported ( whether it's a spelling error, outdated name, etc. ), the bureau is obligated to update or correct the information. 

Violation : If they fail to ensure your name is accurately reported or do not correct it after being notified, this would be a violation of Section XXXX. The bureau is required to follow reasonable procedures to ensure the information is accurate, especially when it's disputed. 

XXXX. Failure to Correct Information After Notice from You ( Section XXXX ) * FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) requires that if you send a notice to the credit bureau stating that certain information in your report is incorrect ( e.g., your name ), the bureau must promptly investigate and correct the error if its found to be inaccurate. 

Violation : If you sent notice of the error and the bureau did not investigate or correct it, they XXXX be violating this provision. Specifically, if you provided sufficient information for them to address the issue and they failed to act in a timely manner, they are not complying with the FCRA. 

XXXX. Failure to Include a Notice of Dispute ( Section XXXX ) * If the credit bureau refuses to correct the error but maintains inaccurate information on your report, you have the right to include a Notice XXXX XXXX on your credit report. This allows other creditors or agencies reviewing your credit to see that you dispute the accuracy of certain information. 

Violation : If the bureau refuses to include this notice, or if they do not provide you with the opportunity to explain the dispute on your credit report, they XXXX be violating your rights under Section XXXX ( XXXX XXXX. XXXX ) to ensure the information in your report is complete and accurate.

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