Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: FL
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 file a complaint regarding the ongoing presence of fraudulent items on my credit report, as maintained by 3 Credit Bureaus. These fraudulent entries have had a detrimental impact on my financial standing and creditworthiness, and despite previous attempts to address this issue, they persist on my report. 
I have attached copies of supporting documents, including [ attach copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation ]. These documents substantiate my claims and demonstrate that I have taken appropriate actions to address the fraudulent activities associated with my credit report. 

I have previously initiated disputes regarding these fraudulent items through your bureau, and I have provided all necessary documentation to support the legitimacy of my claims. However, to my disappointment, these items continue to negatively impact my credit score and financial well-being. 

I kindly request that you take immediate and comprehensive action to rectify this situation. Specifically, I request the following : Thoroughly investigate the fraudulent items listed on my credit report, verifying their authenticity and ensuring they are removed promptly. 

Provide me with written confirmation of the removal of these fraudulent items from my credit report within exact timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of such fraudulent entries on my credit report in the future. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the importance of maintaining accurate and reliable credit reports and the potential consequences of fraudulent activities on my financial life. Therefore, I request your utmost attention and expeditious handling of this matter. 

I expect a response to this letter within exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and report this matter to relevant regulatory authorities. I am asking for your assistance to remove the following items immediately : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}.

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