Consumer complaint received 2025-05-17 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXXXXXX XXXX2025 Subject : Cease and Desist for Non Compliance with FCRA 1681e ( b ) and 1681 ( i ) Regarding Inaccurate Addresses To Whom It May Concern : This letter is to address the inaccuracies on my credit report which are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I previously requested the removal of multiple inaccurate addresses from my credit profile, which Experian has failed to address in compliance with its statutory obligations. Experian has claimed a reinvestigation of all disputed items was performed, but I, the consumer, was never provided any written documentation of the investigation and verification of accuracy.

Under FCRA 1681e ( b ), credit reporting agencies ( CRAs ) are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. Furthermore, pursuant to 1681i ( a ) ( 1 ) ( A ), upon receipt of a consumer dispute, CRAs must conduct a prompt, reasonable investigation to verify the disputed informations accuracy and completeness.

It is the CRA 's dutynot the consumer'sto investigate and resolve discrepancies.

Experian confirmed the validation of disputed addresses without providing documentation or details of the verification process used, as required by law. The agency has failed to : 1. Provide dates of verification, 2. Identify the parties responsible for verification, or 3. Furnish written proof of accuracy.

I hereby demand the following actions of cease and desist of the inaccurate addresses from credit profile as these written documents were never sent to me.

1. Immediate removal of all inaccurate addresses from my credit profile, besides information pertaining to the accurate address I've provided : XXXX XXXX XXXX XXXX XXXX, Delaware XXXX.

2. Addresses that are in dispute must be removed. Experian did not provide any written documentation confirming the investigation 's accuracy. If consumers don't receive the investigation results within the allotted 30 to 35-day period from when the dispute letter was received, then the investigation process was not completed. The verification process must strictly adhere to the guidelines of FCRA 1681e ( b ). If the report of the re-investigation was never sent to the consumer, then the dispute information is still considered to be unverified.

If Experian believes this is an error and the CRA did provide written results of the investigation of each listed address. Please provide proof of actions. Mail a copy of the report to XXXX XXXX XXXX XXXX XXXX, XXXX, Delaware. Report should have a time stamp showing it was sent in the timeframe of dispute must include - The specific methods and sources used to verify each address, - Dates of verification, - Contact information for the party ( ies ) that confirmed the accuracy.

Under 1681i ( a ) ( 6 ) ( B ) ( iii ), a consumer reporting agency SHALL provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Failure to resolve this matter promptly will compel me to pursue further legal remedies, including filing a lawsuit with the court for misconduct of federal consumer laws and damages for noncompliance. 
Sincerely, XXXX XXXX Contact : 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