Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
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 in good health. I am writing to express my deep frustration and concern regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to address and rectify these inaccuracies, these fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

Over an extended period of time, I have identified several fraudulent items on my credit report, which I have repeatedly disputed with your agency. These fraudulent items encompass these fraudulent items, such as unauthorized accounts, identity theft, etc. ], and I want to emphasize that I have never authorized, engaged with, or had any association with these accounts. These fraudulent entries have not only significantly lowered my credit score but have also resulted in adverse financial consequences.

In strict compliance with the Fair Credit Reporting Act ( FCRA ), I have consistently initiated disputes with your agency to have these fraudulent items removed. Each time, I have provided the necessary documentation and evidence to substantiate my claims, with the genuine expectation of a thorough and timely investigation.

To my deep disappointment, my diligent efforts have yielded no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to these fraudulent entries. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, these fraudulent items persist on my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate, comprehensive, and definitive action to investigate and remove these fraudulent items from my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, police reports, identity theft affidavits, and any other documentation substantiating my claims. These documents unequivocally demonstrate the fraudulent nature of the items in question and emphasize the urgency in their removal from my credit report. Please assist me to remove these following inaccurate items : XXXX XXXX XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$1500.00} DP OF EDUC XXXX Balance : {$3900.00}.

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