Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AR
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 frustration and disappointment regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies on my credit report. Despite my continuous efforts to remove these discrepancies, my credit report remains tainted with inaccuracies that have a detrimental impact on my financial well-being. 

The inaccuracies I have been trying to address include ( but are not limited to ) : There are late payments incorrectly listed on my credit report, which do not accurately reflect my payment history. 

I have disputed accounts that do not belong to me, yet they continue to appear on my credit report. 

I have made numerous attempts to follow the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies. In each dispute, I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

Regrettably, my efforts have not produced the desired results, and I continue to face the following problems : My previous dispute letters and supporting documents have received inadequate responses or have gone unanswered, leaving me uncertain about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. 

I kindly request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts as proof of my earnest attempts to rectify these inaccuracies. I am asking for your immediate assistance to remove these fraudulent items in my credit report in 3 credit bureaus : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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