Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file. 
Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file.

15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law.

I want to include the following as evidence that if this personal information continues to report inaccurately and is not removed immediately, that there are already cases that have been presented in court to show how these violations are ruled on. XXXX XXXX XXXX, XXXX ( XXXX XX/XX/XXXX. XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXX/XX/XXXX XXXX ) confirm that credit bureaus are liable for failing to maintain procedures ensuring accuracy and relevance of reported information. 
My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Employer : XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX My Requested Actions : 1.Delete and Remove : All incorrect names, aliases, or misspellings. 
Any outdated or incorrect addresses. 
Any inaccurate dates of birth. 
All irrelevant or inaccurate employer information. 
2.Conduct a Reasonable Reinvestigation : Verify the accuracy of the information reported and ensure only accurate, relevant, and up-to-date personal information is maintained in my file. 
3.Provide Written Confirmation : Confirm, in writing, that these changes have been made. 
Failure to update and correct this information within 30 days of receipt of this letter will be considered a violation of the FCRA and may result in legal action. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, if necessary, to protect my rights. 
Thank you for your immediate attention to this matter. I expect confirmation of these updates promptly.

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