Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AR
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 frustration and concern regarding multiple requests to remove fraudulent items from my credit report, which continue to be reported inaccurately. My name is XXXX XXXX, and I have always taken great care in managing my financial responsibilities. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances of fraudulent items that have been reported and continue to negatively impact my creditworthiness. The credit report contains entries for accounts and transactions that are clearly fraudulent in nature. These items have been reported to your agency as fraudulent on multiple occasions, with supporting documentation provided. These inaccuracies have had a significant negative impact on my credit score, making it difficult for me to secure credit and adversely affecting my financial stability. Despite my repeated requests, these fraudulent items persist on my credit report.I have submitted formal requests for the removal of these fraudulent items to Credit Bureaus on multiple occasions, along with all necessary documentation to support my claims. However, I have not received any confirmation that the corrections have been made, and the inaccuracies persist. I understand the gravity of maintaining an accurate credit report, as it is a crucial factor in determining my financial well-being. These fraudulent items not only harm my creditworthiness but also create a sense of insecurity and financial vulnerability. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove these fraudulent items from my credit report. Specifically, I request the following : conduct a thorough and expedited investigation into the fraudulent items in question, remove all fraudulent items from my credit report and ensure that they do not reappear in future reports, and 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 fraudulent items, as well as all relevant documentation supporting my claims, for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. These are the following fraudulent items I want to disposed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$450.00} 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