Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
I am writing to bring to your attention a concerning experience I had with Experian on a recorded line XX/XX/2024 at approximately XXXX PM, regarding inaccuracies on my credit report. I believe the refusal by the representatives, XXXX and XXXX, to address and rectify these inaccuracies violates both federal and Arizona state laws. This issue is not only a potential violation of my consumer rights but also poses a risk to the accuracy of my credit profile. 

During my conversation with XXXX, who refused to provide his last name or representative number, I attempted to discuss and dispute inaccurate names on my credit report. To my dismay, he declined my request to remove the inaccurate names, without providing any valid reasons for doing so. Subsequently, I requested to speak with a supervisor and was connected to XXXX, who similarly refused to provide his last name or representative number and denied my request to correct the inaccuracies. 

I would like to bring to your attention the following federal laws and Arizona state laws that, in my understanding, support my right to dispute and rectify inaccuracies on my credit report : Fair Credit Reporting Act ( FCRA ) : The FCRA grants consumers the right to dispute inaccurate information on their credit reports. Section XXXX ( a ) ( XXXX ) ( A ) specifically allows consumers to request an investigation of disputed information, and inaccurate information must be corrected or deleted. 
Arizona Fair Credit Reporting Act ( XXXX ) : Arizona has its own fair credit reporting laws. According to Arizona Revised Statutes XXXX et seq., consumers have the right to dispute and correct inaccurate information on their credit reports. 
Having inaccurate names on my credit report is not only a violation of these laws but also poses a potential threat to the accuracy of my credit profile. Inaccurate information can impact my ability to obtain credit, loans, and other financial opportunities. Therefore, it is crucial that Experian, as a credit reporting agency, adheres to these laws and promptly addresses and corrects any inaccuracies. 

Furthermore, I would like to highlight that under both the FCRA and XXXX, there are provisions for imposing fines on credit reporting agencies that fail to comply with their obligations. The FCRA, in Section XXXX, allows for statutory damages of up to {$1000.00} for each willful violation. Additionally, the XXXX XXXX impose civil penalties of up to {$2500.00} for each willful violation. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that Experian complies with federal and state laws regarding credit reporting. Additionally, I would appreciate any guidance or assistance you can provide in resolving this issue and ensuring the accuracy of my credit report. 

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

Inaccurate names : XXXX XXXX XXXX NAME ID # XXXX ( missing full middle name ) XXXX XXXX NAME ID # XXXX ( missing middle name ) XXXX XXXX NAME ID # XXXX ( missing middle name and final G in last name )

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