Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MS
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 file a second formal complaint regarding fraudulent and inaccurate information for their removal that persists on my credit report, specifically concerning my name, charge-offs, collections, and unauthorized inquiries. Despite my previous attempts to address these issues, they continue to adversely affect my creditworthiness and financial standing. 

I have identified the following issues on my credit report that demand immediate attention : 1. My credit report inaccurately displays a name that does not belong to me. This is a clear indication of fraudulent activity, and I am deeply concerned about the potential security risks and identity theft implications associated with this fraudulent name. I request that this incorrect name be promptly removed from my credit report and that all necessary steps be taken to investigate the source of this fraudulent information.

2. Several accounts on my credit report are listed as charge-offs, but these listings are either inaccurate or outdated. I have worked diligently to address and resolve these debts, and some of them have been successfully settled with the creditors involved. I request that the inaccurate charge-off information be updated or removed from my credit report to accurately reflect the current status of these accounts.

2. My credit report includes accounts that are marked as in collections. Some of these collections listings are inaccurate or not valid, and I dispute their validity. I request that a thorough investigation be conducted into the legitimacy of these collections and that any unauthorized or unjustified collections entries be removed from my credit report.

3. I have identified multiple unauthorized inquiries on my credit report that have not been initiated by me. These inquiries may be harming my credit score and financial prospects. I request an investigation into the legitimacy of these inquiries, and any unauthorized inquiries be promptly removed from my credit report.

I understand the critical importance of maintaining an accurate credit report, as it significantly impacts my financial stability and credibility. In light of the issues mentioned above, I kindly request that you conduct a thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them.

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. The following items should be removed immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXXOpened XXXX XXXX, XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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