Consumer complaint received 2025-07-07 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:
RE : Dispute of Inaccurate Information and Unresolved Issues on My Credit Report. Credit Report Number XXXX To Whom It May Concern : I am writing to dispute and raise the same concerns regarding inaccuracies, unresolved and unverified information that remains on my Experian credit report. Despite addressing multiple and prior effort attempts to correct these errors, it appears this issue has not been taken into consideration.

Once again disputing the following items on my Experian consumer report that do not belong to me. These items are not reporting 100 % accurately. I request that these items be immediately investigated, deleted and removed. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am demanding that Experian : Conduct a full reinvestigation of the disputed account ( s ), Delete or correct any unverifiable or inaccurate information, Provide a written explanation of the results of your reinvestigation, Identify the data furnisher ( s ) and supply any documentation used to verify the account ( s ), and Send me an updated credit report reflecting these corrections.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to the following provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy in credit reporting. 
15 U.S.C. 1681i : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers ( creditors ) may not report inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and delete unverifiable or inaccurate data.

15 U.S.C. 1681n : Holds Experian civilly liable for willful noncompliance with any FCRA requirement including failure to remove or correct false and damaging items.

Dispute Accounts : Dispute Item # 1 : Issue : Inaccurate Names on credit report. 
The credit report contains inaccurate names that do not belong to me. 
Let me know if you'd like a more formal version or additional context added. 

Account Number : XXXXXXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX \nReason for Dispute : Inaccurate and Unauthorized Names on File My Experian credit report includes multiple names that are inaccurate, unauthorized, and do not belong to me. These names are erroneous, unrecognizable, and in some cases, non-mailable or misspelled. I did not provide or authorize the inclusion of these names on my consumer file. 
The continued presence of these inaccurate names compromises the accuracy, integrity, and reliability of my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain the maximum possible accuracy of information. 
I am requesting that all inaccurate names be immediately and permanently removed from my credit file. Attached is a copy of my Experian credit report with the incorrect names clearly circled for your reference. 
\nRequested Action : Correction of Name on File The only correct recognized name that should appear on my Experian credit report is : Name : XXXX XXXX I am requesting that Experian update my file to reflect only this accurate name and permanently remove all other incorrect, unauthorized, or unrecognized names from my consumer report. * The following items need to be immediately removed, deleted and corrected as required by law. 
Dispute Item # XXXX : Issue : too many addresses on credit report, remove Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX Reason for Dispute : delete and remove the incorrect addresses above. There are over five addresses on the credit report does not belong. 

Requested Action : * The following inaccurate items listed below need to be immediately removed and deleted. 




Dispute Item # XXXX : Account does not belong to me : Name : XXXX XXXX XXXXXXXX Account Name : U.S. DEPARTMENT OF EDUCATION XXXX Reason for Dispute : Does not belong to me, not mine. Inaccurate. 
Follow the Fair Credit Reporting Act ( FCRA ) above. 

Requested Action : * The following inaccurate items listed below need to be immediately removed and deleted. * * * * * ATTENTION : THE NAME AND THE ACCOUNT DOES NOT BELONG TO ME. did not open this account XX/XX/year> My experience mirrors many of the same issues highlighted in the lawsuit recently filed by the Consumer Financial Protection Bureau ( XXXX XXXX. XXXX ), which outlines widespread failures by Experian to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, I am encountering the following problems that the CFPB has alleged against Experian : Failure to Conduct a Reasonable Reinvestigation Experian has not adequately investigated my disputes, nor has it provided a meaningful explanation or correction of the information in question. 
Failure to Forward All Relevant Information Supporting documentation I submitted was not acknowledged or properly relayed to the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 2 ).

Unclear or Contradictory Dispute Results I received a dispute outcome letter that failed to clearly state whether items were updated, deleted, or remained unchanged, leaving me confused about the status of my report.

Failure to Remove or Prevent Reinserted Inaccurate Information In some cases, deleted information has reappeared on my credit file without notice or certification, which violates the FCRAs reinsertion safeguards ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and ( C ) ). 
In light of the above and in accordance with my rights under the FCRA, I am requesting the following : That Experian immediately conduct a thorough and reasonable reinvestigation of the disputed accounts listed below. That all relevant information I previously submitted, or will resubmit with this letter, be forwarded to the data furnishers. 
That any unverifiable, inaccurate, or incomplete information be permanently deleted or corrected. 
That I be sent a detailed, written notice of the results of the reinvestigation, including a full explanation of any updates or deletions made. 
That I receive a free copy of my updated credit report once corrections are completed. 





Requested Resolution Pursuant to the FCRA, I request the following actions : Immediate deletion of all inaccurate and unverifiable names from my credit file as requested. 
Written confirmation that my credit report has been corrected ; An updated and corrected copy of my Experian credit report ; Full disclosure of the data furnishers that provided the inaccurate information, along with documentation supporting any alleged verification. 
Upon reviewing the credit report, it is evident that the inaccurate items previously disputed have not been removed as requestedConsider this letter a continuation of the disputes I previously submitted. I have enclosed a copy of the credit report. Your prompt attention to this matter. I expect a written response within the 15-day period / 60 days period as required by law. 
Sincerely, \nXXXX XXXX\nEnclosures : Credit Names, Addresses, Account

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