Consumer complaint received 2023-09-07
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 file a second complaint regarding the ongoing reporting of fraudulent items on my credit report, despite my previous dispute and request for removal. It is deeply concerning that these issues persist, and I urgently request your immediate and thorough investigation to rectify these persistent inaccuracies. My credit report continues to include multiple inaccurate addresses that I have never resided at or had any association with. Despite my previous dispute, these inaccuracies persist and are causing confusion and potentially affecting my creditworthiness. I demand the immediate removal of these inaccurate addresses to maintain the accuracy of my credit profile. I have previously disputed several accounts that were inaccurately reported as late closed, charge-offs, or repossessions and a collections. Despite my prior efforts to rectify these issues. I urgently request a comprehensive review of these accounts and the correction of their statuses to accurately reflect their current standing. I have identified inquiries made by companies or institutions that I have not authorized or initiated. Despite my previous dispute, these inquiries continue to negatively affect my credit report. I demand the immediate removal of these fraudulent inquiries to prevent further damage to my creditworthiness and protect against potential identity theft. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address these issues promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the delay in resolving these matters, as they have persisted despite my initial dispute. These following fraudulent items should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} 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, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} 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