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: AL

Complaint narrative:
I am filing this formal complaint against EXPERIAN for blatant violations of consumer rights, inaccurate reporting of my personal information, and willful non-compliance with federal consumer protection laws. This company has consistently engaged in unlawful practices that have harmed my financial standing, violated my privacy rights, and caused severe damage to my reputation. 
Personal Information Errors and Inaccurate Reporting : Inaccurate Name Reporting : EXPERIAN is reporting multiple incorrect variations of my name, including : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The only correct name that should appear on my credit reports and financial records is XXXX XXXX XXXX. This ongoing inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies and furnishers of information must ensure the accuracy of all data reported. These multiple and incorrect name variations are causing severe harm to my credit profile and impacting my ability to maintain and secure credit. 

Invalid Address Reporting : EXPERIAN is inaccurately reporting the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX as my residence. I have never resided at this address, and it is impossible for me to receive mail there. The only valid address for me is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This false address reporting is not only inaccurate but is also violating my privacy rights and causing ongoing issues with the delivery of important financial correspondence. Furthermore, it is damaging my ability to effectively communicate with businesses and lenders. The FCRA ( 15 U.S. Code 1681 ) clearly requires that only accurate information be reported, and this address is not only incorrect but is preventing me from exercising my rights as a consumer. 

Legal Violations : Violation of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), consumer information reported by any party ( whether creditors, debt collectors, or reporting agencies ) must be accurate and complete. EXPERIAN has failed to correct multiple errors in my name and address despite my repeated requests and legal obligations under 15 U.S. Code 1681. This is a direct violation of the FCRAs accuracy and dispute resolution provisions.

Specifically : Section 1681i of the FCRA requires that a consumer reporting agency correct any inaccuracies within 30 days of notification.

Section 1681e ( b ) requires that the information reported must be accurate and complete, and EXPERIAN has failed to ensure this regarding both my name and address. 

Violation of the Right to Privacy : The incorrect reporting of my address and the dissemination of inaccurate personal data to third parties without my consent is a clear violation of my right to privacy. Under the Gramm-Leach-Bliley Act and FCRA, consumers have the right to limit and control the dissemination of their personal information. EXPERIAN is violating these rights by reporting and sharing inaccurate data, which has severely affected my ability to engage in financial transactions. 

Impact on My Credit and Financial Standing : Inaccurate Name and Address : These inaccuracies are causing undue financial harm and unnecessary delays in communication with creditors, resulting in errors and confusion when reviewing my financial records. The incorrect address is also obstructing my ability to receive official notifications, bills, and statements, making it impossible for me to stay current with my financial obligations. 
Inaccurate Credit Reporting : The erroneous reporting of multiple names and addresses is severely harming my credit score and creditworthiness. These errors are materially affecting my ability to secure loans, open accounts, and maintain a healthy financial standing. This ongoing issue is directly causing harm to my financial prospects.

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