Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally file a complaint against Experian for failing to remove inaccurate information from my credit report despite multiple requests. I have requested over XXXX times for Experian to correct and update the inaccurate address and accounts listed on my credit report, but to no avail. I have also provided them with verification of my correct address, and yet, they continue to report an invalid and incorrect address as well as closed accounts that do not belong to me. 
The inaccurate reporting of my address and these closed accounts has caused significant financial harm to my credit profile, resulting in a negative impact on my creditworthiness. I am requesting that Experian permanently remove these inaccurate entries from my credit report and ensure that they never appear on my report again. This is due to the fact that I have never provided verbal or written permission to the companies that reported these erroneous entries to share or store my personal information. 
I would also like to inform you that I have sent a cease and desist letter to the XXXX XXXX XXXX XXXXXXXX regarding the violation of my rights under the law, and I believe this matter is a violation of several U.S. Codes and regulations, including but not limited to the following : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
o Under the FCRA, I am entitled to a fair and accurate credit report. Experians failure to correct this inaccurate information is a violation of my rights as a consumer under this law.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

o The FDCPA protects consumers from unlawful practices related to debt collection, and any incorrect reporting that leads to damage to a consumers credit profile may fall under these protections.

3. Privacy Protection The Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 o This act prohibits financial institutions from sharing personal financial information without proper authorization, further reinforcing the unlawful sharing of my personal information without my consent. 

Due to the ongoing financial harm and the violation of my rights under these laws, I am requesting the CFPB 's immediate intervention to ensure that Experian : 1. Immediately removes the closed account from my credit report.

2. Ensures that the closed account is never reported again under any circumstances.

3. Notifies me in writing of the actions taken to resolve this issue, including a confirmation that this fraudulent information will not reappear.

4. Remove inaccurate address off my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( This Address is apart of my ID theft Report # XXXX ) If XXXX does not take corrective action and remove this fraudulent account from my credit report, I will be forced to pursue legal action, including filing complaints with the Federal Trade Commission ( FTC ), State Attorneys General, and potentially filing a lawsuit for damages under the FCRA and other applicable laws. 



The continual inaccurate reporting of my personal information and failure to correct these discrepancies, despite my repeated requests, demonstrates a clear violation of my rights under these federal laws. I am asking for immediate action from Experian to permanently remove these inaccurate entries and ensure they do not appear on my credit report again. 
I respectfully request that the CFPB investigate this matter and ensure Experian complies with federal laws regarding the accuracy and security of credit reporting. 
Thank you for your attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX

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