Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attention : Consumer Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMPLIANCE VERIFICATION REQUEST AND DEMAND FOR REMOVAL OF INACCURATE PERSONAL INFORMATION Social Security Number : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern : I am writing this letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., to demand immediate verification of XXXX XXXX compliance and removal of inaccurate personal information from my consumer file maintained by your organization. 

DEMAND FOR XXXX XXXX FORMAT COMPLIANCE VERIFICATION I hereby formally request that XXXX, XXXX conduct a thorough compliance verification of all information in my consumer file according to the mandatory XXXX XXXX Format Reporting Standards as established by the XXXX XXXX XXXX XXXX ( XXXX ) and required under the FCRA, FCBA, and ECOA. 

Specifically, I am requesting verification that all data fields in my consumer file strictly adhere to the standardized format codes and requirements detailed in the most current Credit Reporting Resource Guide ( CRRG ) for the following sections : 1. Base Segment fields related to consumer identification 2. Field verification of Consumer Account Name, Address, and Phone fields 3. Compliance with Consumer Information Indicator codes 4. Verification of proper Date of Account Information reporting 5. Accuracy of Payment History Profile reporting As you are aware, the e-OSCAR system ( used by all major credit reporting agencies including XXXX ) is required to maintain strict adherence to XXXX XXXX standards. Any deviation from these standards constitutes a violation of the FCRA and is grounds for immediate removal of non-compliant information. 

INACCURATE PERSONAL INFORMATION TO BE REMOVED I have identified the following inaccurate personal information in my consumer file that must be immediately removed : XXXX. Name Variations : My only correct name is XXXX XXXX. The following variations are incorrect and must be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Phone Numbers : - XXXX - XXXX These phone numbers are not and have never been associated with me. 

XXXX. Incorrect Previous Addresses : The following addresses are incorrectly listed in my file and must be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IDENTITY THEFT CONCERNS : I believe some of this information is the result of identity theft LEGAL DEMAND AND NOTICE Under the FCRA, you are required to follow reasonable procedures to assure maximum possible accuracy of the information in my consumer file. The inclusion of the above inaccurate personal information demonstrates a failure to maintain XXXX XXXX compliance and violates multiple provisions of the FCRA, including but not limited to : XXXX. Section 623 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) - duty to correct and update information 2. Section 623 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) - duty to provide notice of dispute 3. Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) - duty to provide notice of furnishing negative information Additionally, I believe there are specific XXXX XXXX Format violations regarding : XXXX. Field integrity in the Base and XXXX Segments as documented in the CRRG XXXX. Improper standardization of address formats XXXX. Improper use of the Payment History Profile ( Payment Rating codes ) 4. Inaccurate data in the Address Indicator and Telephone fields IDENTITY THEFT BLOCK REQUEST I believe some of the inaccurate information in my file results from identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you block and remove all information resulting from identity theft within XXXX business days of receipt of this letter. 

PRIVACY VIOLATION NOTICE Additionally, I believe you are sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802 , which further compounds the issues surrounding this matter.

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