Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NV
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 frustration and concern regarding my initial request to remove certain items from my credit report, which, to my dismay, have not been addressed. My name is XXXX XXXX, and I understand the critical importance of maintaining an accurate and fair credit history. 

I submitted a formal request to Credit Bureaus to have specific items removed from my credit report. I provided detailed explanations and supporting documentation for the removal of these items, as they are inaccurately reflecting my credit history. I would like to outline the issues I have encountered : Inaccurate Items : The items in question on my credit report are not representative of my financial history. I have diligently reviewed my credit report and identified these inaccuracies, which are negatively affecting my creditworthiness. I took the time to provide extensive supporting documentation along with my request, clearly demonstrating the reasons why these items should be removed. I expected my initial request to be reviewed promptly and the necessary corrections to be made. To my dismay, I have not received any substantive response or acknowledgment of my initial request. Despite my efforts to rectify these inaccuracies, the items remain on my credit report, continuing to harm my credit score. 

I fully comprehend the importance of an accurate credit report, as it plays a crucial role in determining my financial stability and access to credit. These inaccuracies have caused me undue stress and have the potential to negatively impact my financial future. 

I kindly request that Credit Bureaus take immediate action to investigate and remove the inaccuracies from my credit report, as per my initial request. Specifically, I request the following : Review my initial request submitted on [ Date of Initial Request ] to understand the basis for my concerns and the supporting documentation provided, promptly remove the items in question from my credit report to ensure its accuracy, Provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies and all relevant documentation supporting my initial request for your reference. These following fraudulent items should be removed in my credit file : XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/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