Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian Mixed Credit File, Inaccurate Reporting, and Unresolved Disputes To Whom It May Concern, I am filing this formal complaint against Experian due to serious and ongoing issues with inaccurate information on my credit report, the mishandling of a mixed credit file and repeated failures to resolve these matters despite multiple disputes and requests. 

Experian has inaccurately combined my personal and credit information with another individual who appears to have a similar or identical Social Security number or other identifying information. As a result, my credit report contains personal information that do not belong to me, including names, addresses, that I have no association with. 

I have filed multiple disputes with Experian both phone and by mail, clearly explaining that my credit file has been mixed with another persons data and providing documentation to prove my identity. Each time, Experian has responded with misleading and generic messages stating that the information has been corrected. These responses are not only inaccurate, but they also contradict the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable and complete investigation when a consumer files a dispute. 

Additionally, Experian has failed to meet the time frames they communicate to consumers. Each time I was given a 3-5 business day turnaround time for the files to be unmixed and corrected. This has caused me to run into problems with creating an online account as well. I have mailed and uploaded my drivers license and proof of residence several times to verify my identity. They have made claims about resolving issues within 3-5 business days but months have passed without any resolution or meaningful update. I finally was able to speak with a supervisor by the name of XXXX in the membership or Dispute department on XX/XX/year>. She advised me that I can receive a one time passcode to my phone number on file and set my own PIN number to manage my freeze. I provided her with my personal PIN and she stated the PIN has been updated in the system and can now manage my credit freeze by phone. I called on XX/XX/year> and provided the pin to the automated system and XXXX customer service representatives and each time I was told that is not my correct PIN. I received and email that I will attach about this issue and someone elses information is listed with my case number, clearly pointing out that Experian still has my filed mixed with someone elses. This delay and misinformation have caused serious harm to my financial reputation, and I have been unable to create an online account and experienced emotional distress as a direct result. 

I am requesting that Experian : XXXX. Immediately investigate and correct the mixed credit file. 
XXXX. Permanently remove all information that does not belong to me from my credit report. 
XXXX. Provide written confirmation that the file has been unmerged and corrected. 
XXXX. Be held accountable for violating my rights under the FCRA I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to assist in holding Experian accountable and help facilitate a resolution. I am prepared to escalate this matter further, including seeking legal counsel, if necessary. 

Thank you for your time and attention to this serious matter. 

Sincerely XXXX XXXX XX/XX/year>

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