Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
In XX/XX/XXXX, I disputed multiple inaccurate personal information entries on my Experian credit file, including 22 outdated or incorrect addresses and two inaccurate name variations : XXXX XXXX and XXXX XXXX XXXX. Experian only deleted two addresses and failed to address or disclose that the rest remained in the system. 

On XX/XX/XXXX, I submitted a formal Final Demand letter under FCRA 611 ( a ) ( 5 ) ( A ), demanding the permanent deletion of all remaining disputed personal information. I included a copy of my government-issued ID and a recent bank statement to verify my identity and current address : XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX 

Experian responded on XX/XX/XXXX, but only corrected my full legal name and removed a few entries. The following issues remain unresolved : Experian deleted my correct current address entirely. I disputed the inaccurate variation XXXX XXXX XXXXXXXX XXXX # XXXX, which was never my address. Instead of correcting that entry, Experian removed the full address XXXX XXXX XXXX XXXX from my file entirely. I did not request this removal, and Experian did not notify me. They deleted verified personal information while retaining multiple outdated and previously disputed addresses, including addresses I never lived at. 

Experian continues to display inaccurate, unverifiable addresses tied to my identity, including at least four different variations of XXXX XXXX XXXX. Ive disputed these multiple times. One of these is even tagged by Experian as a business address yet it remains in my personal credit file. 

Experian continues to list the inaccurate name XXXX XXXX in their internal systems, despite stating that they had updated the name to XXXX XXXX XXXX. This name is not visible in my XXXX account but appears in the back-end dispute results and full credit file disclosures. 

Experian is actively hiding personal information from consumers. When I log into Experian.com and view my credit report or generate the printable version, it only shows one address and one name. However, through XXXX and direct dispute tracking, I can see multiple addresses and name variations still tied to my file. This concealment violates FCRA 609 ( a ) ( 1 ), which requires a full file disclosure.

Experian never notified me of any reinsertion of deleted information or confirmed certification of accuracy as required under FCRA 611 ( a ) ( 5 ) ( B ).

These practices collectively violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Failure to maintain maximum possible accuracy 609 ( a ) ( 1 ) : Failure to provide a full and complete consumer file disclosure 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation and improperly deleting valid data 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate disputed information 611 ( a ) ( 5 ) ( B ) : Failure to notify me of reinsertion of previously deleted information

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