Consumer complaint received 2024-07-23 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: NM

Complaint narrative:
In XX/XX/year>, I checked my Experian consumer report and noticed several incorrect addresses and names listed on my report. 
I sent a letter to Experian in XX/XX/year> explaining that the personal information was incorrect, and I attached 2 proofs of ID along with the letter so that Experian could verify my identity and have proof of my actual correct address.They returned with only having updated SOME of my personal information but not all. So, on XX/XX/year>, I sent Experian another letter reconfirming my correct information along with proof of address and ID, demanding that they remove ALL inaccurate addresses and names from my consumer report. But once again, they have failed to remove the incorrect information, violating my consumer rights and federal law 15 USC 1681s-2.The letters were delivered certified mail and were signed for by Experian representative, XXXX XXXX- on XX/XX/year> and XX/XX/year>. 
USPS TRACKING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been patiently waiting for Experian to correct this information, and for the last 2 years, my life and that of my children has been extremely negatively impacted by Experians gross negligence regarding reporting accurate information on my consumer report. We have been unable to qualify for an auto loan, home loan, or favorable credit terms due to incorrect information linked to incorrect addresses and names that are not mine showing up on my consumer report. It has cost us thousands of dollars in high interest rates, as well as loss of income due to being denied jobs for derogatory information that is incorrect on my consumer report. Experian is in clear violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; Additionally, Experian has made it impossible for a consumer to reach an actual human agent to discuss this violation of the law. I have tried calling over twenty-five ( 25 ) times and using different menu options, but not one time have I been able to reach an actual person. Experian is hiding behind an AI system that continuously states I am unable to transfer you to a specialist, so that they can break federal law without any backlash from the consumers.

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 non-monetary relief