Consumer complaint received 2023-10-07
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 hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. 

I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/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