Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10930957
Complaint Overview
Complaint ID: 10930957
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: Information belongs to someone else
State: Florida
ZIP Code: 33409
Date Received: 2024-11-25T12:00:00-05:00
Date Sent to Company: 2024-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Complaint Regarding Experian 's Failure to Investigate Inaccurate Information Dear Sir/Madam, I am writing to formally file a complaint regarding Experian 's failure to conduct a full and fair investigation into inaccurate information being reported on my credit file. I am a victim of the XXXX data breach, which has led to identity theft, and as a result, my credit report is being damaged by incorrect and fraudulent information that should not be there. Despite my attempts to address these issues with Experian directly, they have not provided adequate investigation or resolution to the inaccuracies. In particular, the following issues are negatively impacting my credit score : 19 Inaccurate Addresses Experian is reporting 19 addresses on my credit file, none of which I recognize. I only reside at one address, which is XXXX XXXX XXXX XXXX XXXX, FL. The other addresses listed do not belong to me and I am unaware of them. Inaccurate Accounts Experian is also reporting the following accounts, which I do not recognize or authorize : XXXX ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) hese accounts were opened fraudulently as a result of the identity theft linked to the XXXX breach, and I have taken steps to report this to the necessary authorities. As a victim of identity theft, I am entitled to protection under Fair Credit Reporting Act ( FCRA ) provisions, specifically Section 605B and Section 1681a, which require credit reporting agencies to block inaccurate information that is the result of identity theft. Despite this, Experian has failed to block this erroneous information or properly investigate my dispute. I kindly request that the CFPB investigate this matter and take action to ensure that Experian fulfills its legal obligations to correct my credit file and cease reporting any fraudulent information. I would appreciate it if you could follow up with Experian to enforce my rights under the Fair Credit Reporting Act and ensure my credit report is updated accordingly. Thank you for your attention to this important matter. Please feel free to contact me if any additional information is needed. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10930957 about?
Complaint #10930957 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 2024-11-25T12:00:00-05:00.
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.