Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear XXXX Customer Service, I am writing to formally address a serious issue regarding the inaccurate reporting on my credit report that has caused significant financial distress. After reviewing my credit history, I have observed numerous instances where XXXX has failed to provide accurate information pertaining to my accounts. This includes, but is not limited to, the non-reporting of my XXXX XXXX XXXX XXXX XXXX, credit card, my XXXX XXXX XXXX XXXX and my two XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the accuracy and integrity of the information they provide. Specifically, Section 607 ( b ) mandates that [ c ] redit reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy. Additionally, Section 609 ( a ) allows consumers to dispute inaccuracies within their credit reports, a right that I have repeatedly exercised over the past seven years. Unfortunately, despite my efforts, the inaccuracies have persisted, continuing to affect my financial opportunities for mortgage approvals, life insurance, vehicle financing, and credit card applications. 

The prolonged inconsistencies and omissions in my credit report have not only hindered my ability to obtain essential loans and insurance but have also caused mental and financial distress. I am seeking resolution for these inaccuracies and requesting compensation for the inconvenience and hardship caused by these violations. Specifically, I am requesting {$1000.00} for each account that has been inaccurately reported or omitted from my credit profile. 

I urge you to take immediate corrective action by ensuring that my full credit history is accurately reported. Furthermore, I expect a prompt written response detailing how you plan to remedy this situation. 

Dear Experian and TransUnion Customer Service, I am writing to express my concerns regarding the continued inaccuracies in my credit reports that have not been adequately addressed by your agencies. Specifically, I have significant issues with reported information that does not correctly reflect my Social Security Number ( SSN ) and address. These inaccuracies have been brought to your attention multiple times, yet they remain unresolved, impacting my creditworthiness and financial opportunities. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. This includes verifying that businesses providing information about accounts are using the correct SSN and address. Rather than performing thorough checks, it appears that both Experian and TransUnion are allowing incorrect information to persist without adequately verifying it with the institutions providing these reports. 

I understand that requesting proof of signature, valid identification, and validation of the account is a reasonable and necessary part of this process. However, when these verifications fail or remain unaddressed, the responsibility falls on your agencies to ensure that my credit report reflects accurate and complete information. Failure to do so not only violates my rights under the FCRA but also limits my ability to access essential financial services, including loans and credit applications. 

I urge you to take immediate steps to address these inaccuracies by conducting a thorough investigation of my credit report. Please ensure that you verify all reported information aligns with the correct SSN and address on file. Furthermore, I request a written response outlining the actions taken to resolve these discrepancies and any corrections made to my credit report. 

If this matter is not handle and corrected within 15 days from XXXX. I am going to file legal action in XXXX XXXX XXXX  and request for restitution. 

1. The correct amount of my student loans, the correct company, and the correct account numbers.

2. Each company should validate my Legal Social Security number was used to apply for several accounts which I have not applied. My legal birth name and not a variation of my legal birth name as it appears on my Driver 's License. 
3. The correct amount of XXXX XXXX XXXX XXXX XXXX loans and the credit card which is currently open. 
4. The correct and current amount of all XXXXXXXX XXXX XXXX XXXX  ( personal ) Not Business cards. 
5. The correct XXXX XXXX XXXX XXXX  and the correct amount owed as current today XXXX. 
6. None of my Business information should be reported on my personal credit union. 
7. All accounts which do not have the correct social security number, current address which appears on my driver 's license, and correct date of birth should be removed. 
8. All inquiries should be removed from my credit report if the business can not provide proof of my signature authorization was given to run my credit report. A document with my legal social security number should show I applied for credit.

9. All debt which is 7 years or older should be removed.

10. All debt that does not have proof of my legal social security number should be removed each agency shows a different social security number with account I did not apply for and they must be removed.

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