Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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 deep concern and frustration regarding a persisting issue related to fraudulent items on my credit report. Despite numerous attempts to rectify this situation, I am dismayed to discover that these items continue to be reported on my credit profile. The fraudulent items in question pertain to continues reporting in my file, such as unauthorized credit accounts, erroneous late payments, or identity theft-related issues. These inaccuracies have had a detrimental impact on my credit score and have caused undue stress and inconvenience in my financial life. I would like to bring to your attention the various steps I have taken to resolve this matter : I sent dispute letters to all three major credit bureaus XXXX, Experian, and XXXX, providing detailed information about the fraudulent items and requesting their removal from my credit report. In compliance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. I also completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). I have contacted the relevant creditors involved in these fraudulent accounts to inform them of the situation, dispute the charges, and request any necessary documentation. Despite taking these steps and providing all requested documentation to substantiate my claims, I am dismayed to see that the fraudulent items remain on my credit report. This situation is not only damaging my financial stability but also causing significant emotional distress. I kindly request your immediate attention and action to rectify this matter. I urge you to investigate this issue promptly, remove the fraudulent items from my credit report, and provide me with written confirmation of their removal. Additionally, I request that you review your internal procedures to prevent such issues from occurring in the future. Failure to address this issue adequately and promptly may compel me to seek legal recourse to protect my rights as a consumer. I believe that a swift resolution is in the best interest of all parties involved. Please consider this letter as an official complaint and a formal request for action. I expect your response within the exact timeframe from the date of this letter. Kindly assist me to remove these fraudulent items right away : 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 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 non-monetary relief