Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Fraudulent Information on My Credit Report Dear Experian Consumer Relations, I am writing this letter to bring to your attention a serious matter regarding fraudulent information that has been inaccurately reported on my credit report. It has come to my attention that there exists another private entity operating under the same name as Experian, which has resulted in a mix-up of information and a breach of my credit report 's accuracy. 
I have contacted your customer service representatives on numerous occasions, seeking assistance in resolving this matter. Regrettably, I have been met with unhelpful responses that redirect me to different departments or claim I am reaching out to the wrong entity. This has left me immensely frustrated and concerned about the potential long-term consequences of having fraudulent information on my credit report. 
Firstly, I would like to stress the urgency of this matter, as it is not only damaging my personal financial reputation, but it also implies a breach of state and federal laws concerning fair credit reporting. The presence of fraudulent information on my credit report, which has been incorrectly attributed to me, is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, it is the responsibility of credit reporting agencies such as Experian to ensure the accuracy and integrity of the information they report to lenders, creditors, and other authorized parties. As such, it is imperative that you take immediate and appropriate action to rectify this situation, remove the fraudulent information from my credit report, and prevent any further reporting of inaccurate data. 
I kindly request that you initiate a thorough investigation into the fraudulent records that have been associated with my credit report. It is evident that these records are not mine, yet they have had a significant detrimental impact on my financial credibility. I expect the investigation to be conducted promptly and diligently, adhering to the guidelines set forth by the FCRA. 
In addition, I require your assurances that my credit report will be thoroughly reviewed and updated to reflect only accurate and legitimate information supplied by legitimate creditors and lenders. It is vital that my creditworthiness is restored to its rightful state, and any falsely reported accounts or delinquencies are removed immediately. 
Please understand the gravity of this situation and respond to my concerns in a timely manner. Failure to address this matter promptly and adequately will leave me with no choice but to take further legal action to protect my rights and ensure compliance with state and federal laws. 
I appreciate your immediate attention to this matter and expect a written confirmation of the investigation being conducted, along with the actions taken to resolve this issue. Please provide a comprehensive response within 30 days of receiving this letter, as mandated by the FCRA. 
Thank you for your understanding and cooperation. I eagerly anticipate the speedy resolution of this matter. 
Sincerely, XXXX XXXX EVIDENCE : Hi XXXX, We'd be glad to help, but Experian Insurance Services is separate from the main Experian office and. As far as customer service is concerned, we operate as a completely different entity, and we have no way of forwarding your request to the correct department at Experian. We can only assist with insurance questions. 

We can keep exchanging e-mails, but you will need to review the correct contact channels at https : //www.experian.com/help/ to receive the assistance you need. 

Insurance Advisor Experian Insurance Services CA License # 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