Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate, Outdated, and Fraudulent Information on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Experian for failing to remove inaccurate, outdated, and fraudulent information from my credit report despite providing them with a certified dispute letter on XX/XX/XXXX. It has now been over 30 days, and Experian has not properly addressed the inaccuracies or removed the fraudulent information. 
Here is a summary of the issues I raised in my XX/XX/XXXX letter to Experian : 1. Inaccurate Personal Information : My credit report includes incorrect addresses, incorrect names, and erroneous personal identifiers that do not belong to me. These errors have resulted in damaging entries that are negatively affecting my credit score and are a violation of my rights. 
Address that is inaccurate : XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. Fraudulent Inquiries : My report contains several inquiries that I did not authorize, including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not made by me, nor were they authorized, and I have provided Experian with this information to rectify the situation.

3. Failure to Correct Information : Despite my efforts to address these issues, Experian has failed to make the necessary corrections to my credit report, and the inaccurate information still remains unchanged. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates credit reporting agencies to conduct investigations and correct inaccuracies within 30 days.

Specific Request : I am requesting that the CFPB intervene to ensure Experian adheres to the Fair Credit Reporting Act and removes : All inaccurate personal information from my report.

All fraudulent inquiries that were not authorized by me.

All outdated and incorrect account entries.

Relevant Laws and Protections : As a consumer, I am entitled to accurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), and Experians failure to rectify these errors is a violation of my legal rights. Specifically, the FCRA requires : 15 U.S.C. 1681i Credit reporting agencies must conduct a thorough investigation and correct any inaccuracies in my credit report.

15 U.S.C. 1681c Outdated information must be removed from my credit report in a timely manner.

15 U.S.C. 1681b ( c ) ( 1 ) Credit reports should only reflect information that is accurate and authorized. 
My Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX I am listing my FTC report # ( XXXX ) of my ID Theft report highlighting the inaccuracies, incorrect addresses, and fraudulent inquiries for your reference. I request your assistance in resolving this matter swiftly. 
Thank you for your attention to this serious issue. I look forward to a prompt resolution and expect Experian to comply with the consumer protection laws governing the accuracy and fairness of credit reporting. 
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