Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian, for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C 1681c ( Section 609 ), 15 U.S.C 1681i ( Section 611 ), and 15 U.S.C 1681s-2 ( Section 623 ).

On XX/XX/XXXX, I submitted a certified written dispute to all three credit bureaus, formally requesting the removal of outdated, inaccurate, and unverifiable personal information from my credit report. On XX/XX/XXXXXXXX  I submitted a complaint with the CFPB under complaint number XXXX about this situation and it has not been taken care of. I provided all required documentation to verify my identity, as well as clear evidence that the information in question is not tied to any open or active accounts and therefore must be removed. 

Violations Committed by the Credit Bureaus Despite being legally obligated under the FCRA, the credit bureaus have failed to comply with the following : Failure to Remove Outdated and Inaccurate Personal Information The bureaus continue to report outdated addresses, incorrect phone numbers, name variations, and incorrect employment history, despite my explicit dispute and proof that these items are not linked to any active accounts.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C 1681i - Section 611 ) The FCRA mandates that credit bureaus must conduct a reasonable investigation within 30 days and delete any unverifiable information.

The bureaus have either failed to provide proof of verification or ignored their obligation to investigate properly. 

Failure to Provide Written Notice of Investigation Results Under the FCRA, I am entitled to a written response with the results of the investigation and an updated copy of my credit report reflecting the necessary corrections. 
I have not received any written confirmation that a proper investigation has been conducted. 

Willful and Negligent Non-Compliance ( 15 U.S.C 1681n & 15 U.S.C 1681o ) Their continued failure to act within the legal timeframe constitutes willful non-compliance, making them subject to statutory damages, punitive damages, and legal action.

Relief Requested from the CFPB Due to the bureaus blatant disregard for federal law, I am requesting immediate action from the Consumer Financial Protection Bureau ( CFPB ) to enforce my legal rights. Specifically, I request that the CFPB : Immediately investigate Experian for failure to comply with the FCRA. 
Order the immediate deletion of the outdated, inaccurate, and unverifiable personal information.

Impose penalties on the credit bureaus for their willful failure to follow federal regulations. 
Require the bureaus to provide a new, corrected copy of my credit report reflecting the deletions. 

Supporting Evidence Attached Copy of my original receipt sent via certified mail.

Copy of my ID and supporting documents ( used to verify my identity ). 
Current credit reports highlighting the incorrect and outdated information. 

Conclusion I expect the CFPB to take swift action to ensure that the credit bureaus comply with federal law and correct these violations immediately. If no resolution is provided, I am prepared to escalate this matter further, including filing a federal lawsuit against the credit bureaus for willful FCRA violations.

Please confirm receipt of this complaint and keep me updated on the status of your investigation. Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga, XXXX 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