Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10685964
Complaint Overview
Complaint ID: 10685964
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Florida
ZIP Code: 32811
Date Received: 2024-11-04T12:00:00-05:00
Date Sent to Company: 2024-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing. My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #10685964 about?
Complaint #10685964 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.