Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
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

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my credit file at 3 Credit Bureaus. Despite my repeated attempts to rectify the situation, fraudulent items remain on my credit report, causing considerable harm to my financial standing and personal security.

I recently discovered that there are several fraudulent entries on my credit report, which have negatively impacted my credit score and creditworthiness. These fraudulent items includes charge off, collection, late closed, inaccurate name and addresses and inquiries. These inaccuracies are not only unjust but also a severe violation of my personal financial security. 

I initially became aware of these fraudulent entries since last month, and since then, I have made numerous attempts to have them removed from my credit file. I have diligently followed the procedures outlined by Credit Bureaus for disputing inaccuracies, including providing supporting documentation and detailed explanations. However, despite these efforts, the fraudulent items have not been removed, and I have not received any updates or resolutions. 

I am deeply disappointed by the lack of attention and urgency given to my dispute, and the failure of Credit Bureaus to rectify this issue promptly. The presence of these fraudulent items on my credit report has far-reaching consequences, including making it difficult for me to secure loans, credit, and housing. Furthermore, it poses a significant risk to my personal financial security and identity. 

I am now formalizing my complaint and seeking a resolution in a more organized and formal manner. I kindly request that Credit Bureaus takes immediate action to thoroughly investigate and remove the fraudulent items from my credit file. I also request a detailed explanation of the actions taken in this regard, as well as a clear plan for preventing such problems in the future. 

If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or report this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to rectify this issue and restore the accuracy and integrity of my credit report. 

Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my credit file. I am asking for your assistance to remove these following fraud items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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