Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Incorrect Address and Bankruptcy Reporting Final Notice Before Legal Action** To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report despite multiple previous disputes. This letter serves as a final notice before I pursue legal action against Experian for damages related to these inaccuracies. 

Address Discrepancy Despite providing multiple forms of proof, including my driver 's license and a bill showing my correct address as XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX, Experian continues to report an incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXX, Tennessee XXXX ) on my credit report. This erroneous address has been attributed to a mental health facility, which is both false and damaging to my reputation. 

XXXX and XXXX have both corrected my address over a year ago upon receiving the same documentation. I demand that Experian immediately rectify this error. The continued incorrect reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 

Bankruptcy Reporting Furthermore, I have previously disputed the bankruptcy information on my credit report. I requested details on how this information was verified, as the bankruptcy court does not provide such information to third parties. Experian has failed to provide the method of verification as required under the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ). Without this verification, the reported bankruptcy should be removed from my credit report. 

Legal Consequences This letter serves as a formal notice that if Experian does not correct these inaccuracies within 15 days, I will have no choice but to file a lawsuit against Experian for damages resulting from your noncompliance with the FCRA. This includes, but is not limited to, defamation, financial losses, and emotional distress caused by your continued negligence. 

Report Numbers for Reference : - Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> -Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> I am also sending copies of this letter, along with all the disputed reports where you falsely claimed verification, to the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Attorney General 's office. 

Please confirm in writing that these corrections have been made. I expect this matter to be resolved promptly to avoid legal action. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General 's Office

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