Consumer complaint received 2023-09-26
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 deep frustration and disappointment regarding my repeated attempts to have fraudulent items removed from my credit report. It has been an ongoing battle to rectify these inaccuracies, and I believe it is my right as a consumer to have an accurate and reliable credit report.

Over the course of several months, I have identified multiple fraudulent items on my credit report when obtaining a copy from your agency. These fraudulent items encompass these fraudulent items, such as unauthorized accounts, identity theft, etc. ], which I have never authorized, engaged with, or had any association with. These fraudulent entries have significantly impacted my credit score and have caused extensive financial hardship. 

In strict adherence to the provisions of the Fair Credit Reporting Act ( FCRA ), I have diligently initiated disputes with your agency to rectify these fraudulent items. I have consistently provided the necessary documentation and evidence to substantiate my claims, anticipating a thorough and timely investigation. 

Regrettably, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period stipulated by the FCRA. This lack of response not only infringes upon my rights as a consumer but perpetuates the financial harm I endure due to these fraudulent entries. 

I am left with no choice but to escalate my disputes by submitting multiple letters and documents related to the fraudulent items. However, even these additional attempts have been met with silence and indifference, leaving me deeply disheartened and aggrieved. 

I insist that you take immediate and definitive action to investigate and remove the fraudulent items from my credit report, as mandated by the FCRA. Furthermore, I request a written response detailing the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to address this matter promptly and effectively will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully committed to pursuing any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including police reports, identity theft affidavits, and any additional evidence substantiating my claims. These documents unequivocally demonstrate the fraudulent nature of the items in question and serve as incontrovertible evidence of the urgency in their removal from my credit report. Please assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.

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