Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: MO
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 serious concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These inaccuracies are causing significant harm to my financial reputation and overall well-being. 

The fraudulent items in question pertain to exist in my credit report as fraudulent or inaccurate. These inaccuracies have had a detrimental impact on my credit score and have caused considerable emotional distress and inconvenience.

I wish to bring to your attention the extensive steps I have taken to address this issue : I have submitted multiple dispute letters to your credit bureau. These dispute letters included detailed information about the fraudulent items, supporting documentation, and a clear request for their removal. 

In accordance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. 
I completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), as part of the process to rectify the fraudulent items on my credit report. 

I have diligently contacted the relevant creditors associated with the fraudulent accounts, providing them with documentation to dispute the charges and request their cooperation in resolving the issue. 

Despite these comprehensive efforts and the provision of all requested documentation to substantiate my claims, I am disheartened to see that the fraudulent items persist on my credit report. This ongoing situation is not only damaging my financial stability but also causing significant emotional distress. 

I urgently request your immediate attention and action to rectify this matter. I implore you to : Investigate the fraudulent items reported on my credit report and verify their accuracy. 

Promptly remove the fraudulent items from my credit report and provide me with written confirmation of their removal. 
Review and enhance your internal security procedures to prevent similar fraudulent items from affecting consumers ' credit reports in the future.

Failure to address this issue promptly and effectively may compel me to seek legal remedies to protect my rights and seek redress for the damages incurred. I believe that immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within the exact timeframe from the date of this letter. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX A XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 explanation