Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file an urgent complaint regarding Experians failure to remove inaccurate and fraudulent information on my credit report. Despite Experians admission that the information is incorrect, they have refused to take the necessary action to resolve these issues. As a result, my credit report remains severely damaged, and my financial well-being continues to suffer. 1. Inaccurate Bankruptcy with Wrong Address : Experians credit report falsely lists a bankruptcy under my name. Not only is this bankruptcy completely inaccurate, but it also includes an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX that does not belong to mefurther demonstrating identity theft. Despite providing Experian with clear evidence of this error, including proof that the address associated with the bankruptcy is not mine, Experian has failed to remove this entry, despite admitting the inaccuracy. This bankruptcy entry is both false and fraudulent, and it has been incorrectly attached to my name, severely damaging my credit score and financial reputation. The inclusion of a fraudulent address further complicates this issue and continues to damage my personal financial records. This is an outrageous violation of my rights, and Experians refusal to correct the record is unacceptable. XXXX. Incorrect XXXX Account : In addition to the bankruptcy, Experian has admitted that the XXXX account # XXXX listed on my credit report is incorrect and the result of identity theft. Despite this admission, Experian has refused to delete the account, leaving it as a negative entry on my credit report. This account was opened fraudulently in my name, and I have already submitted all necessary documentation, including a Federal Trade Commission ( FTC ) identity theft report, to verify this claim. Yet, Experian has continued to ignore their responsibility to delete this incorrect information. XXXX. Failure to Act Despite Clear Evidence of Inaccuracy : Experians refusal to act, despite clear and unequivocal evidence that these entries are fraudulent, constitutes a serious violation of the Fair Credit Reporting Act ( FCRA ). Their failure to correct the inaccurate bankruptcy and the fraudulent XXXX account is damaging my financial life, and I am now requesting your immediate intervention to ensure that Experian is held accountable for their failure to act in a timely and proper manner. My Demands for Immediate Action : 1. Immediate removal of the inaccurate bankruptcy from my credit report, along with the correction of the associated incorrect address. 2. Immediate deletion of the fraudulent XXXX account, as Experian has already acknowledged the inaccuracy. 3. Thorough review and investigation into any additional fraudulent activity linked to my name that may still exist on my credit report. 4. Prompt removal of all identity theft-related items to prevent further damage to my credit score and financial standing. I demand that Experian take immediate action to resolve this matter and remove all fraudulent and inaccurate entries from my credit report. The continued presence of these false entries on my report is unacceptable and has caused significant financial harm. I further request that the CFPB take swift action to ensure Experian complies with the Fair Credit Reporting Act and corrects these inaccuracies without further delay. Thank you for your urgent attention to this matter. I look forward to a swift resolution.

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