Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
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 complain about the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the necessary documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Determined to resolve this issue, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to removed the following fraudulent items : 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 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 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