Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Formal Complaint Against Experian Failure to Update Personal Information and Credit Report To Whom It May Concern : I am writing to formally file a complaint against Experian for its failure to update my personal information and credit report, despite repeated requests over the past XXXX  days. I have contacted Experian multiple times to request the removal of my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and to have my current address ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) added to my credit file. These requests have been ignored, and no action has been taken to correct the discrepancies, which constitutes a clear violation of consumer protection laws. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandate
s that credit reporting agencies maintain accurate and complete information. Experian 's continued failure to update my personal information within a reasonable time frame is a blatant violation of FCRA 's requirement that credit bureaus promptly correct inaccuracies upon notification. The law specifically obligates credit reporting agencies to investigate disputes and make necessary corrections within 30 days. The 93 days that have elapsed since my initial request far exceed this legal timeframe. 

Furthermore, the Consumer Financial Protection Bureau 's guidelines emphasize that consumers have the right to dispute incomplete or inaccurate information on their credit report. Despite this, I have received no communication from Experian confirming the update of my address or indicating that the matter is under investigation. I have attached my most current credit report and credit score, which clearly show that my address has not been updated and that the report does not reflect recent, accurate information. 

I am requesting immediate action to resolve this issue. Experian must remove my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and add my current address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) to my credit file. Additionally, all other relevant information in my credit report must be reviewed for accuracy. If Experian fails to address this matter promptly, I will pursue legal remedies under the FCRA, including filing a lawsuit for damages due to negligent non-compliance. 

I expect confirmation of the corrections within 15 days of receipt of this letter. If Experian continues to fail in fulfilling its legal obligations, I will escalate the situation by filing a formal complaint with the Federal Trade Commission ( FTC ), pursuing legal action, and seeking further assistance from the Consumer Financial Protection Bureau to ensure compliance with federal law. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.

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