Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/year> Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Personal Information on My Credit Report Dear Federal Trade Commission , I am writing to formally file a complaint regarding the reporting of inaccurate personal information on my credit report by Credit Bureaus Equifax XXXX Experience, TransUnion, the credit bureau ( s ) have reported incorrect details about my name and address, which do not belong to me. Despite my attempts to resolve these errors directly with the credit bureau ( s ), the inaccuracies remain uncorrected, causing confusion and potential harm to my credit profile.

Details of the Complaint : 1. Inaccurate Personal Information : a. Incorrect Name ( s ) : Incorrect Address ( es ) : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. [ List incorrect addresses appearing on your credit report ]. 
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 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. Attempts to Resolve the Issue : a. On XXXX, I filed a dispute with Credit Bureau Name ( s ) Equifax , Experience, TransUnion and provided supporting documentation to verify my correct name and address. These documents included [ list documents, such as proof of identity or utility bills ]. 
b. Despite their legal obligation to investigate and correct inaccuracies under the Fair Credit Reporting Act ( FCRA ), the credit bureau ( s ) have failed to update my credit report to reflect accurate personal information.

3. Impact on Me : a. The presence of incorrect personal information has led to [ explain the consequences, such as difficulties in obtaining credit, confusion with creditors, or emotional distress ].

Request for FTC Assistance : I kindly request the FTC to investigate this matter and take appropriate action against the credit bureau ( s ) for their non-compliance with the FCRA. Furthermore, I urge the FTC to implement measures ensuring credit bureaus improve their processes for verifying and correcting personal information. 
Enclosures : I have included copies of the following documents to support my complaint : Dispute letters sent to the credit bureau ( s ).

Responses ( or lack thereof ) received from the credit bureau ( s ).

Proof of identity and address, including a government-issued ID and recent utility bill. 
Thank you for your attention to this matter. Please feel free to contact me at XXXX additional information is required. I look forward to your response and assistance in resolving this issue. 
Sincerely, XXXX XXXX Attachments : I have included them with the letter.

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