Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11491287
Complaint Overview
Complaint ID: 11491287
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: Mississippi
ZIP Code: 394XX
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Type : Incorrect Information on Credit Report Details of the Complaint : I am filing this complaint because Experian has refused to remove outdated and irrelevant addresses from my credit report, despite multiple requests. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following outdated addresses that no longer belong to me remain on my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are no longer accurate or relevant, and their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy in credit reports. Outdated and irrelevant addresses violate this standard. Section 611 : As a consumer, I have the right to dispute inaccurate or irrelevant information on my credit report. Experian is required to investigate my dispute and delete unverifiable or outdated information within 30 days of receiving my request. Section 605 ( a ) : Obsolete information, including irrelevant addresses, must not remain on my credit report if it serves no legitimate purpose. Additionally, I am a victim of a data breach, which increases my risk of identity theft and fraudulent activity. Leaving outdated addresses on my credit report exacerbates this risk and fails to provide the necessary protections to ensure accurate and up-to-date reporting. I have made several prior attempts to contact Experian, requesting that these outdated addresses be removed. Each time, my requests have been ignored or denied, despite the fact that the information is irrelevant to my credit profile. This refusal to correct errors on my credit report has caused unnecessary frustration and could potentially lead to financial harm.
Frequently Asked Questions
What is Complaint #11491287 about?
Complaint #11491287 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 2025-01-12T12:00:00-05:00.
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.