Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX. I am submitting this formal complaint because inaccurate personal information is being reported on my credit file, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). I have identified errors in the personal identifying information listed on my credit reports maintained by Equifax, Experian, and TransUnion. 

Timeline of Discovery : On or about [ insert date you reviewed your credit report ], I accessed my credit reports and noticed multiple discrepancies in the personal information section, including incorrect variations of my name, outdated or incorrect addresses, and possibly unrelated Social Security number fragments or employers. 

I submitted a dispute to each credit bureau via their online portals/mail [ insert date if applicable ], clearly identifying the incorrect personal information and providing documentation such as a government-issued ID and proof of current address. 

Despite my dispute, [ insert whether the information was not corrected, ignored, or inaccurately re-reported ]. 

Nature of the Complaint : According to FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The reporting of inaccurate names, addresses, or identifying information violates this duty and can lead to the mixing of files or mistaken identityboth of which pose a serious threat to my financial and personal well-being. 

Incorrect personal data on a credit report can contribute to : Inaccurate account associations or fraudulent accounts appearing on my report. 

Denial or delay of credit, housing, or employment opportunities due to mistaken identity. 

Increased vulnerability to identity theft. 

Personal Impact : This incorrect information has caused me undue stress and fear that my credit profile is at risk of being compromised or linked to accounts or activities that do not belong to me. It has also undermined my confidence in the integrity of the credit reporting system and delayed important financial decisions. 

Requested Resolution : I am requesting the following corrective actions : Immediate removal of all inaccurate name variations, addresses, Social Security number fragments, and any other erroneous personal information from my credit files with Equifax, Experian, and TransUnion. 

Written confirmation that the corrections have been made and that the inaccurate data has not been reinserted into my file. 

A full reinvestigation under FCRA 1681i, along with the names of all furnishers who supplied the incorrect information. 

I have attached a copy of my government-issued ID and a utility bill to verify my identity and current address. I respectfully ask the Consumer Financial Protection Bureau to hold the bureaus accountable for failing to maintain accurate consumer data and to ensure compliance with FCRA mandates. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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