Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Date : [ XXXX ] To : Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Formal Demand for Immediate Corrective Action and Compliance Regarding Unauthorized Address and Ongoing Violations of Federally Protected Consumer Rights To Whom It May Concern, I am writing to formally demand immediate corrective due diligence and full compliance by Experian Information Solutions , Inc. concerning ongoing and repeated violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as my constitutional rights to privacy and liberty. 

Experian has, without my permissible consent, authorization, or direct communication, added the address XXXX XXXX XXXX XXXX to my credit file. This addition is wholly erroneous and unsupported by any tradeline, account, or past affiliation that would reasonably justify its presence in my file. This is not only an invasion of privacy but a reckless misrepresentation of my consumer profile.

These actions are in direct contradiction to the responsibilities imposed on consumer reporting agencies under 15 U.S. Code 1681e ( b ), which requires Experian to maintain procedures to assure maximum possible accuracy of the information it includes in consumer reports. The fact that I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding similar unauthorized entriesincluding outdated and fraudulent informationdemonstrates a pattern of willful noncompliance. 

Despite my consistent efforts to ensure the accuracy of my credit profileincluding my recent formal CFPB complaintExperian has persisted in maintaining erroneous data, significantly impairing my ability to secure credit and other financial opportunities. This ongoing misconduct and the display of misleading address information falsely portrays me as financially unstable or unreliable, resulting in multiple denials of credit applicationsdespite my strong credit scores. 

You are hereby formally demanded to : XXXX. Immediately remove the address XXXX XXXX XXXX XXXX and any other unauthorized or inaccurate address information from my credit file.

2. Conduct a full and documented reinvestigation in compliance with 15 U.S.C. 1681i. 
XXXX. Provide written confirmation of the removal and update to my file within 15 days of receipt of this letter.

4. Preserve all internal records, correspondence, and audit logs related to this matter, as I reserve the right to pursue further legal action including but not limited to filing complaints with the FTC, State Attorney General, and taking civil action for damages under 15 U.S.C. 1681n and 1681o.

Failure to act promptly and in good faith may subject Experian to legal liabilities, including claims for statutory damages, actual damages, punitive damages, and attorneys fees.

This is a final opportunity to resolve this matter amicably. If no sufficient response is received within 15 calendar days, I will escalate this matter to the appropriate regulatory and legal channels. 

Sincerely, [ XXXXXXXX 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