Consumer complaint received 2023-09-11
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 hope this letter finds you well. I am writing to formally register a complaint regarding several inaccuracies on my credit report that have caused significant distress and concern.

I recently obtained a copy of my credit report and discovered several issues that have adversely affected my creditworthiness and financial standing. I would like to outline the key problems I have encountered : 1. My credit report contains multiple addresses that are not associated with me. These inaccuracies not only raise concerns about identity theft but also have a detrimental impact on my credit score and financial reputation.

2. I found entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that would warrant collection efforts. These entries are not only inaccurate but also damaging to my creditworthiness.

3. There are several unauthorized credit inquiries listed on my report. I did not authorize these inquiries, and they have negatively affected my credit score. I believe that these inquiries are a result of identity theft or errors in your reporting.

I understand the importance of accurate credit reporting and its significant impact on my financial well-being. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services.

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unauthorized addresses, collection entries, and inquiries.

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence.

Issue a formal letter confirming the corrections made to my credit report, and ensure that all credit reporting agencies have been notified of these corrections.

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future.

I expect a thorough and prompt resolution of these issues, as the inaccuracies on my credit report are causing severe financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} 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 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