Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Urgent Resolution of Inaccurate and Incomplete Information on my XXXX Credit Report Dear Sir/Madam , I am writing to bring your immediate attention to a persisting issue concerning inaccurate and incomplete information on my XXXX Credit report , which is having a detrimental impact on my financial standing. Despite having disputed this item on numerous occasions, I have received the same generic response repeatedly, indicating a lack of proper investigation as mandated by the law. 

Specifically, I would like to draw your attention to the inclusion of XXXX XXXX as a collection account on my credit report. This entry pertains to a solar system installed at a property that is not associated with me in any way. I have never owned or resided at the address linked to this account. 

I have taken various steps to rectify this error, including written communication, online disputes, and phone calls. However, I have been met with persistent resistance in removing the incorrect address affiliated with this collection. Despite my continuous efforts, the credit services have failed to address this issue and have not taken the necessary steps to remove the erroneous information from my credit report. 

Furthermore, I had previously requested validation of the debt over 60 days ago, but I have yet to receive any substantiating documentation. Despite the lack of evidence, your agency continues to claim that the debt has been verified. I find this highly concerning and question how such validation could have been accomplished when I have resided at the same address for over 20 years. 

I am deeply concerned about the lasting impact of this erroneous information on my financial status and overall creditworthiness. It is imperative that you take immediate action to rectify this situation. I demand the following actions to be taken promptly : Removal of the incorrect address associated with the XXXX XXXX collection account from my credit report. 
Provision of proper investigation and validation of the debt, including any supporting documentation. 
Swift resolution of this matter within the timeframe mandated by law to prevent further harm to my financial reputation. 
Please be advised that failure to address this matter adequately will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act. 

I have attached copies of previous correspondence and supporting documents to assist you in addressing this issue effectively. I expect a written response within 30 days of receiving this letter, confirming the actions taken to resolve this matter. Additionally, I request that all future communications regarding this dispute be made in writing to maintain a clear record of our interactions. 

I trust that you will take this matter seriously and rectify the inaccuracies promptly. Your cooperation in resolving this issue is greatly appreciated. Thank you for your attention to this matter. 

Sincerely,

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