Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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 make a second attempt to dispute and request the correction of multiple fraudulent and inaccurate items on my credit report. These items include incorrect addresses, late closed accounts, charge-offs, collections, and unauthorized inquiries. Despite my previous dispute, these inaccuracies persist on my credit report, negatively affecting my financial standing and creditworthiness. 

Below are the details of the fraudulent and inaccurate items that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX 

I have once again attached copies of my credit reports from Experian, XXXX and XXXX Credit Bureaus, highlighting the fraudulent and inaccurate items I am disputing. 

It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history, and I have never authorized or consented to the inquiries from the entities mentioned above. The late closed account, charge-off, and collection claims are also disputed as I have made efforts to resolve these issues, and I have documentation to support my claims. 

I kindly request that you take immediate action to rectify these fraudulent and inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit report and to provide me with the results of your investigation within 30 days of receiving a dispute letter. 

Therefore, I kindly request that you : *Conduct a thorough investigation into the accuracy of the addresses, late closed account, charge-off, collection, and unauthorized inquiries on my credit report. 

*Contact the respective creditors, collection agency, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation.

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