Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Correct Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their failure to accurately report and correct inaccuracies on my credit report. These inaccuracies have severely impacted my ability to obtain housing. 

Specifically, I am requesting your assistance in addressing the following issues : Inaccurate Name : My credit report incorrectly lists my married name. I have not used this name since XX/XX/year>, at XXXX AM. I have contacted Experian multiple times to correct this, but the error persists. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( a ), 1681i ( b ), 1681i ( c ), and 1681i ( d ), which outline the requirements for correcting inaccurate information. 

Incomplete and Inaccurate Negative Account Information : The credit reports from all three bureaus ( Equifax, Experian, and TransUnion ) do not show the complete account numbers for any of my listed accounts, which hinders my ability to address them effectively. I have contacted all three bureaus to request the full account numbers, but they have not provided them. Additionally, there are inaccuracies with the following negative accounts : XXXX XXXX XXXX, Account Number XXXX ( reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX Inaccurate Address : My credit report lists an incorrect address at " XXXX XXXX XXXX '' and includes mailing addresses in XXXX, XXXX. I do not live at the XXXX XXXX address and have no mailing addresses in XXXX. I am a XXXX person on XXXX, and my correct and only address is XXXX XXXX XXXX, [ additional letters and numbers ]. The additional letters and numbers on the address are inaccurate. 
Additionally, I have been affected by the data breaches at Equifax, Experian, and TransUnion, which increases my concern about the accuracy and security of my personal information. 

I am requesting that the CFPB take the following actions : Investigate the inaccurate reporting by Equifa

x, Experian, and TransUnion. Compel these agencies to correct the errors on my credit report, specifically regarding my name and address. 

Require the credit bureaus to provide the complete account numbers for all listed accounts and address the inaccuracies in the negative accounts. 

I am providing this information to support my request for assistance in resolving these credit reporting issues. These errors are causing me significant hardship, particularly in my efforts to secure housing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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