Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of inaccurate and outdated personal information currently being reported on my consumer credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies have a legal obligation to ensure that the information they report is accurate, current, and relevant, while respecting the consumer 's right to privacy. The information currently being furnished is incorrect, and I am requesting immediate correction.

1. Personal Identifiable Information ( PII ) : I have identified multiple inaccurate variations of my name that should be deleted from my report. Please remove the following name variations : XXXX I request that my full, legal name be retained on my consumer report : XXXX XXXX. 
2. Addresses : You are reporting 13 addresses on my credit file. I can confirm that the following addresses are outdated and inaccurate. Please delete the following addresses, as I can not receive mail or legal correspondence at these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number and Date of Birth : For privacy and security reasons, I request that my Social Security number and date of birth be removed from the credit file and not be displayed in future reports. 
5. Employment Information : Please remove all employment information that is inaccurate, including the following entities with which I have no affiliation XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. I am a federally protected consumer with the right to privacy and accuracy in the information that is reported. Failure to comply with these obligations constitutes a violation of my rights under the FCRA. 
15 U.S.C. 1681 - Congressional Findings and Statement of Purpose o ( a ) Accuracy and Fairness of Credit Reporting o ( b ) Reasonable Procedures to Ensure Accuracy 15 U.S.C. 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must ensure maximum possible accuracy when preparing consumer reports. 
XXXX XXXX Experian Information Solutions , Inc. : The FTC and Bureau of Consumer Financial Protection have filed briefs asserting that consumer reporting agencies must investigate disputes concerning personal identifying information ( such as names, addresses, and Social Security numbers ). 

This items have already been deleted from my credit profile in past disputes with experian/XXXXXXXX. After I make CFPB reports they seem to RE-APPEAR. violating FCRA 1681i and FCRA 1681h ( e ). Retaliating by re-reporting legally removed accounts is prohibited by law. Remove it immediately. 

My personal information was compromised in the XXXX data breach, and as a result, I am requesting the immediate removal of all items I have disputed with you. Under FCRA 1681i, any disputed items that are inaccurate or fraudulent must be corrected or removed.

Since this is a repeated dispute, I remind you that under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to investigate and resolve any disputes within 30 days. However, if you are unable to fully resolve the issue, under FCRA 1681i ( a ) ( 6 ), you must complete any reinvestigation as quickly as possible.

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