Consumer complaint received 2024-02-02 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:
I am writing to file a formal complaint against Experian for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Despite my filing a dispute and providing clear instructions to update the information on my credit report to include only one name and one mailable address to prevent fraud, Experian has failed to do so, in direct violation of FCRA regulations. 

Under 15 U.S. Code 1681i ( a ), consumers have the right to dispute inaccurate information on their credit reports and request that the information be corrected or deleted. I exercised this right by filing a dispute with Experian regarding the unauthorized aliases and non-mailable addresses on my credit report. However, Experian has failed to update the required information properly as requested, thereby violating FCRA regulations. 
The Privacy Act of 1974, specifically 5 U.S. Code 552a ( e ) ( 2 ), establishes safeguards for individuals ' personal information held by federal agencies. It mandates that agencies must obtain consent before disclosing personal information, except in certain specified circumstances. Experian, as a consumer reporting agency, holds sensitive personal information about individuals, including credit history and identifying details. 
By disseminating inaccurate information about me without my consent, Experian has violated 5 U.S. Code 552a ( e ) ( 2 ) of the Privacy Act, which requires obtaining consent before disclosing personal information. Their failure to update my credit report as instructed has resulted in the unauthorized disclosure of inaccurate and potentially harmful information, infringing upon my privacy rights under the Privacy Act. 

Furthermore, Experian 's actions not only jeopardize my privacy but also have far-reaching consequences for my financial well-being and reputation. The inaccurate information on my credit report can affect my ability to obtain credit, housing, employment, and other essential services, causing significant harm and distress. 
I have attached documentation supporting my dispute with Experian and the instructions provided to update the information on my credit report. Despite my efforts, Experian has failed to comply with FCRA and Privacy Act regulations, and I continue to suffer the consequences of their negligent reporting. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Experian for their violations of the FCRA and Privacy Act. I also request that Experian be compelled to promptly update the information on my credit report as requested and provide me with a corrected copy of the report. 

Thank you for your attention to this matter. I look forward to a prompt resolution of my complaint.

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