Consumer complaint received 2023-12-15
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 am writing to express my deep dissatisfaction and frustration with the multiple attempts I have made to rectify and remove fraudulent items from my credit file, all of which have been met with limited success. Despite providing detailed information and supporting documentation, the fraudulent entries persist, adversely affecting my financial well-being and causing undue stress. 
I have diligently followed the procedures outlined in your dispute resolution process on numerous occasions, submitting the required documentation and clearly outlining the inaccuracies. However, my efforts thus far have been in vain, as the fraudulent entries remain on my credit report. 

Despite my multiple attempts to address the fraudulent items, they have not been adequately investigated and resolved, raising serious questions about the effectiveness of your dispute resolution process. 

The persistence of these fraudulent entries continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear and timely communication from your bureau regarding the status and resolution of my disputes has further compounded my frustration and dissatisfaction. 

I hereby request the following actions to be taken urgently : I urge you to conduct a comprehensive and expeditious investigation into the fraudulent items on my credit report, considering all the evidence and documentation I have previously provided. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to mitigate further damage to my financial standing. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the investigation and the steps being taken to resolve the issues. 
I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to relevant regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : Experian : 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