Consumer complaint received 2025-04-16 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: WI

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint Regarding Refusal by Experian to Remove Outdated Personal Information Date : XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their repeated refusal to remove outdated and inaccurate personal information from my credit file, specifically old addresses and phone numbers. Despite my good-faith efforts to resolve this issue directly with Experian, they have blocked my requests and failed to take corrective action as required under federal law. 

The only current and valid address I maintain is : XXXX XXXX XXXX XXXX XXXX XXXX Any other address or phone number reflected in my credit file is outdated and should have been removed upon my request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Experians failure to investigate and delete inaccurate personal identifiers constitutes a direct violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes any item of information in their file. 

Furthermore, I have strong reason to believe that my personal information may have been exposed and is now circulating on the dark web. This significantly heightens the urgency of this matter, as outdated and incorrect identifying information increases the likelihood of fraud, misidentification, and identity theft. My concern is both legal and deeply personalI am being forced to live under the threat of exploitation due to Experians negligence.

I demand the immediate removal of all outdated personal addresses and phone numbers from my Experian credit file and for the bureau to take enforcement action against Experian for failure to comply with federal law.

Experians conduct is consistent with broader patterns of neglect that have been identified in various class action suits and court decisions. Notably XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), where the XXXX Supreme Court found that inaccurate and misleading data reporting can result in real-world harm. 
XXXX v. Experian Information Solutions XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. ), involving similar refusals by Experian to correct outdated or inaccurate data, ultimately resulting in settlement and acknowledgment of reporting failures. 
Violations of the Consumer Financial Protection Act under 12 U.S.C. 5531 ( a ), prohibiting unfair, deceptive, or abusive acts and practices.

I am formally requesting that the CFPB investigate this matter urgently and compel Experian to : XXXX. Remove all outdated addresses and phone numbers from my credit report, retaining only my current address as listed above. 
XXXX. Confirm compliance in writing. 
XXXX. Explain why the initial removal requests were blocked in violation of the FCRA. 

I appreciate your immediate attention to this critical matter, as the exposure of my identity places me at severe ongoing risk. I am available to provide supporting documentation if needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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