Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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 express my utmost dissatisfaction and frustration with the persisting issue of inaccurate and incomplete information on my Experian Credit report, which is causing significant harm to my financial status. Despite having made more than ten attempts to dispute this item, I continue to receive the same automated response devoid of any thorough investigation, as required by the law. 

Specifically, I wish to highlight the inclusion of XXXX XXXX as a collection account on my credit report. This entry pertains to a solar system installed at a property that is completely unrelated to me. I have never owned or occupied the address associated with this account. 

I have made multiple attempts to address this matter, both in writing, through the website, and via telephone. Unfortunately, I have encountered unwarranted resistance in my pursuit of having the incorrect address removed from this collection account, an address to which I have no affiliation whatsoever. 

In addition to the aforementioned issue, I must emphasize my ongoing dispute with Experian 's reporting of late payments on a closed XXXXXXXX XXXX account. Over the past few years, I have diligently disputed this matter more than thirty times, yet I have not been provided with any tangible evidence to substantiate these claims, apart from generic denial letters generated by your computer systems. 

I have exhaustively attempted to communicate with Experian through various channels, including phone, email, and mail, in an effort to rectify this situation. Regrettably, my correspondence appears to have fallen on deaf ears, as the incorrect addresses associated with my file remain uncorrected. It is crucial to note that I have never lived or resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have repeatedly requested its removal from my credit report to no avail. 

Moreover, I find it exceedingly perplexing that despite having resided at the same address for over 20 years, Experian claims to have validated the debt in question. I demand an immediate and comprehensive explanation as to how such validation has occurred when the facts demonstrate that this debt is entirely invalid. 

The consistent neglect and lack of proper investigation in addressing these matters have severely impacted my financial reputation and well-being. This situation is entirely unacceptable and warrants immediate rectification. I demand the following actions be undertaken without delay : The removal of the erroneous address affiliated with the XXXX XXXX collection account from my credit report. 
The prompt provision of thorough investigation and validation of the disputed debt, including documented evidence. 
The timely correction of any inaccurate information associated with my credit report, including the removal of the incorrect address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
An official written response within 30 days of receiving this letter, outlining the precise steps taken to address these concerns. 
I must emphasize that failure to resolve this matter adequately and within the stipulated timeframe will leave me with no choice but to escalate this complaint to regulatory authorities and explore legal remedies available to me under the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of previous correspondence and supporting documentation, which I believe will assist you in understanding the gravity of this situation. I expect a comprehensive and satisfactory resolution to these issues, as well as a written confirmation of the actions taken to rectify them within the designated timeframe. 

Your immediate attention and swift action in resolving these matters are of utmost importance. I trust that you will treat this complaint with the seriousness it deserves and take all necessary steps to rectify the inaccuracies and deficiencies on my Experian Credit report. 

Please be advised that the persistent negligence in addressing these concerns has caused significant harm to my financial status and has eroded my confidence in Experian 's ability to maintain accurate credit reporting. XXXX assured, I will not hesitate to escalate this matter to higher authorities, engage legal counsel, and pursue all available remedies to protect my rights under the Fair Credit Reporting Act. 

I demand a comprehensive response within 30 days of receiving this letter, detailing the actions taken to rectify the aforementioned issues and restore the accuracy of my credit report. Moreover, I insist on receiving written confirmation of the corrections made and the removal of any erroneous information from my credit file. 

Failure to comply with these demands will not only further damage my financial standing but also reflect poorly on Experian 's commitment to fair and accurate credit reporting. I expect a prompt and satisfactory resolution to this matter, as it is a matter of utmost importance to my financial well-being. 

I eagerly await your immediate attention and resolution of these issues. Your cooperation in rectifying this situation is both anticipated and appreciated.

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