Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to urgently request the removal of fraudulent accounts, names, and addresses from my credit report in accordance with Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. Upon careful review of my credit reports, I have identified multiple accounts, names, and addresses that are invalid and have been wrongly reported. These inaccuracies are significantly impacting my creditworthiness and financial well-being. I kindly request your immediate attention and assistance in resolving this matter and ensuring that my credit report remains equitable to me.

Account Information, Names, and Addresses to be Removed : Accounts : XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] XXXX. XXXX [ Account Number : XXXX ] XXXX. XXXX XXXX XXXX [ Account Number : XXXX ] Addresses : XXXX. XXXX XXXX WY, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX I understand that resolving disputes may take time ; however, due to the urgent nature of this matter, I kindly request that you take immediate action to remove the disputed accounts, names, and addresses from my credit reports within 4 business days. It is crucial that my credit report accurately reflects my creditworthiness and financial status, as mandated by Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2.

I have provided supporting documentation, including proof of my correct address and any other relevant information, to aid in the swift resolution of this dispute. I implore you to review the evidence provided and expedite the necessary actions to rectify these errors within the specified time frame.

Furthermore, I remind you that according to 15 U.S. Code 1681s2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is imperative that accurate and up-to-date information is reported on consumers ' credit profiles, and any violations should be promptly addressed to protect consumers ' rights.

I appreciate your immediate attention to this matter and expect a written confirmation once the disputed accounts, names, and addresses have been removed from my credit reports within the requested timeframe. It is my expectation that my credit report remains equitable and reflects accurate and valid information.

Thank you for your urgent cooperation and assistance in resolving this dispute. I look forward to your prompt response

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