Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
Inaccurate Personal Information Reported in Violation of FCRA To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies TransUnion, Experian, and Equifax for reporting inaccurate and unverified personal information in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my actual and legal name being XXXX XXXX XXXX, the following inaccurate aliases have been reported on my credit files : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, Experian failed to report my full date of birth accurately and only listed the year 1974, instead of my correct DOB : XX/XX/year>. 

There are also multiple inconsistencies and outdated entries across all three bureaus in my address and employer history, which pose a risk of identity confusion and misreporting : Incorrect formatting or omission of apartment numbers ( e.g., XXXX XXXX XXXXXXXX in TransUnion ). 

Duplicate and outdated employer names and addresses not validated for current accuracy. 

I demand the immediate deletion or correction of all inaccurate names, dates of birth, addresses, and employer entries that are not verified to belong to me per FCRA Section 607 ( b ) and Section 609 ( a ) ( 1 ).

Please also ensure that all future correspondence regarding this complaint is ONLY sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA & FDCPA Violations and Inaccuracies XXXX. Name Variations ( FCRA 607 ( b ), 609 ( a ) ( 1 ) ) Violation : Unverified or inaccurate aliases such aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc. are reported across all three bureaus. 

Issue : These are inconsistent with her legal name XXXX XXXX XXXX. 

Risk : Misidentification, mixed files, and erroneous data reporting.

2. Date of Birth Discrepancy ( FCRA 607 ( b ) ) Violation : Experian only shows 1974 rather than the full and accurate XXXXXXXX XXXX 

Issue : Incomplete identity data can cause confusion or misassociation. 

XXXX. Address Inconsistencies and Repetitions ( FCRA 607 ( b ), 609 ( a ) ) Violation : TransUnion omits apartment number for the current address. 

Experian includes an outdated format XXXX that may not match USPS standards .

Duplicate or obsolete past addresses across bureaus that are not consistent or accurate.

Issue : This creates a risk of mixed credit files or mail misdelivery, which violates accurate reporting obligations.

4. Employment History Inconsistencies ( FCRA 607 ( b ) ) Violation : Different employers reported across all three bureaussome possibly outdated or unverifiable ( e.g., XXXX XXXX, XXXX, XXXX XXXX ). 

Issue : Lack of proper validation or update leads to outdated and possibly incorrect employment data.

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