Consumer complaint received 2024-06-24 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to inform you about several pieces of inaccurate personal information that are currently being reported on my Experian credit report. As a veteran of the XXXX XXXX XXXXXXXX XXXX and a victim of the XXXX data breach, I am particularly concerned about the accuracy of my credit report and the potential for fraudulent activity. 

Upon reviewing my Experian credit report, I discovered the following inaccurate information : Inaccurate Names : XXXX. XXXX XXXX ( Name ID # XXXX ) XXXX. XXXX XXXX XXXX ( Name ID # XXXX ) Inaccurate Addresses : XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Address ID # XXXX ) - Apartment complex Inaccurate Phone Numbers : XXXX. ( XXXX ) XXXX - Residential XXXX. ( XXXX ) XXXX - XXXX I have never used these names, resided at these addresses, or been associated with these phone numbers. The reporting of this inaccurate information is a clear violation of Section 607 ( 15 U.S.C. 1681e ) of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain reasonable procedures to ensure the accuracy of the information they report. 

Under Section 609 of the FCRA, I have the right to request the sources of this inaccurate information and to have it removed from my credit report. I have sent a detailed letter to Experian requesting that they provide the sources of these inaccurate names, addresses, and phone numbers and that they remove this information from my credit report. However, Experian has failed to comply with my request, which is a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA. 

The reporting of this inaccurate information has caused me significant distress and has negatively impacted my ability to secure employment and housing. As a veteran who takes my financial obligations seriously, it is deeply troubling that these errors continue to harm my credit standing and, consequently, my family 's financial stability. 

I am reaching out to the CFPB to seek assistance in resolving this matter and ensuring that my Experian credit report accurately reflects my personal information. I kindly request that the CFPB investigate this issue and compel Experian to provide the sources of the inaccurate information and remove it from my credit report promptly, as required by the FCRA. 

I am prepared to provide copies of the dispute letters I have sent to Experian and any additional information or documentation needed to support my case. 

Thank you for your attention to this matter and for your commitment to protecting the financial well-being of American consumers, especially veterans who have faced hardships due to inaccurate credit reporting and FCRA violations .

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