Consumer complaint received 2023-12-15
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 formally file a complaint regarding the numerous attempts I have made to rectify and remove fraudulent items on my credit file. Despite my repeated efforts, these unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent items remain on my credit report. 

Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

These fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 

Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent items from my credit report. 

I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief