Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to resolve these issues directly with Experian through disputes, phone calls, and online communications, yet the problems persist. Below, I have detailed the specific violations : 1. Repeated Reinsertion of Incorrect Personal Information Experian continues to reinsert incorrect information into my credit report, specifically regarding my name. I have disputed this issue multiple times, and while Experian initially corrects the error, they later reinsert the incorrect name. The only name that should appear on my credit report is XXXX XXXX XXXX, as verified by my attached government-issued ID and Social Security card . This repeated reinsertion of incorrect information violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously deleted inaccurate information without proper notification to the consumer and verification of its accuracy.

2. Reporting of Inaccurate and Undeliverable Addresses Experian continues to report addresses on my credit file that are both inaccurate and undeliverable. The only valid address that should be listed on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Despite my disputes, Experian fails to remove the incorrect addresses. Both XXXX and XXXX correctly report only this single address. XXXX refusal to accurately update this information violates 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies investigate disputed inaccuracies and correct them promptly. 

XXXX. Removal of the XXXX XXXX  Account Without Authorization Experian has repeatedly removed a valid XXXX XXXX  account ( on which I am an authorized user, card ending in XXXX ) from my credit report without my consent. My mother has REPEATEDLY had to add me to her account as an authorized user and Experian keeps removing the account, and I have NEVER disputed this account or requested its deletion! Attached to this letter is an email from XXXX XXXX  dated XX/XX/XXXX, confirming that Experian removed me as an authorized user on this account, effective today, XX/XX/XXXX, without my authorization. This account positively impacts my credit rating, and its removal is causing harm to my credit score. Experians unauthorized removal of this account demonstrates negligence and noncompliance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

XXXX. Refusal to Properly Investigate and Remove an Incorrect XXXX XXXX  Account In addition to the issue above, I have disputed another XXXX XXXX  account ending in XXXX, which does not belong to me. Experian has refused to conduct a proper investigation or provide a detailed method of verification, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Instead, they continue to update this inaccurate account, further violating my rights under the FCRA. 

XXXX actions have caused unnecessary frustration, harm to my credit standing, and significant emotional distress. These ongoing violations are unacceptable, and I am requesting the Consumer Financial Protection Bureau to intervene and hold Experian accountable for their repeated failures to comply with federal law. 

I am demanding the following actions : 1. Permanently remove all incorrect names from my credit report, leaving only XXXX XXXX XXXX. 
XXXX. Permanently remove all incorrect addresses, leaving only XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
XXXX. Reinstate the valid XXXX XXXX  account ending in XXXX ( on which I am an authorized user ) and ensure it remains on my credit report. 
XXXX. Remove the disputed XXXX XXXX  account ending in XXXX and provide documentation of the method of verification used in prior investigations. 
XXXX. Provide assurances that Experian will comply with the FCRA and cease these violations in the future. 

Please ensure Experian provides a written response detailing the corrective actions taken. If Experian fails to address these issues in a timely manner, I will escalate this matter further, including pursuing legal action and filing complaints with additional regulatory agencies. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and provide an update on the actions taken. 

Sincerely, 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