Consumer complaint received 2025-01-12 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX Experian Information Solutions , Inc . 

Dear Sir or Madam, I am writing to formally file a complaint against Experian Information Solutions , Inc. for their repeated failure to handle disputes regarding inaccuracies on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). The following are the issues I have encountered : Issues 1. Unauthorized Hard Inquiries I have disputed several hard inquiries listed on my credit report, which I did not authorize or initiate. Despite these disputes, Experian has consistently responded the next day, asserting the inquiries are accurate and will remain on my report, without providing any supporting documentation or explanation.

2. Accounts That Are Not Mine My credit report includes accounts that do not belong to me. Despite submitting disputes and providing supporting documentation, Experian continues to maintain that the accounts are accurate without any evidence or proper investigation.

3. Incorrect Addresses and Phone Numbers My report contains addresses where I have never lived and phone numbers that are not mine. Although Experian claims these inaccuracies were removed, they remain visible in other versions of my credit report.

4. Failure to Provide Verification Evidence When I requested evidence supporting the accuracy of the disputed items, Experian informed me that they are not obligated to provide such information, which is not in alignment with FCRA requirements for transparency and thorough reinvestigations.

Supporting Evidence from CFPB 's Complaint Against Experian The issues I am facing align with the Consumer Financial Protection Bureaus recent complaint against Experian ( Case Number : 8:25-cv-24 ), which highlights systemic failures in Experians dispute resolution processes, including : Failing to reasonably reinvestigate consumer disputes.

Refusing to investigate disputes about hard inquiries.

Providing unclear or inconsistent dispute resolution results to consumers.

Failing to permanently remove inaccurate information from consumer reports.

Requested Actions To resolve these issues, I request the following : 1. Remove Unauthorized Hard Inquiries : Immediately remove all disputed hard inquiries that I did not authorize or initiate.

2. Correct Personal Information : Permanently delete all inaccurate addresses and phone numbers from my credit report across all versions.

3. Delete Incorrect Accounts : Remove all accounts from my credit report that do not belong to me.

4. Provide Verification Documentation : Supply me with the documentation or evidence used to verify disputed information on my credit report. 
Please find accounts in questions XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX 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 I trust the CFPB will address these concerns with the urgency they deserve and ensure Experian complies with their legal obligations under the FCRA. 

Thank you for your assistance in this matter. I look forward to your response. 


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