Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
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 formal complaint and express my extreme frustration regarding the repeated inaccuracies on my credit report despite multiple previous attempts to dispute and correct these issues. This marks the eighth round of disputes, and I am deeply concerned about the continued presence of erroneous information, including charge-offs, accounts included in bankruptcy, inaccurate addresses, and public records. I insist on your immediate and thorough investigation to rectify these inaccuracies. 

Charge-Offs : I have previously disputed several accounts that were erroneously marked as charge-offs. Despite my previous efforts to rectify this issue, the following accounts are still inaccurately reported as charge-offs : Creditor Name : [ Creditor Name ] Account Number : [ Account Number, if available ] Inaccurate Status : [ Charge-Off ] I urge you to conduct a comprehensive review of these accounts and correct the status to accurately reflect their current standing. 

Accounts Included in Bankruptcy : I filed for bankruptcy on [ Date of Bankruptcy Filing ]. All accounts included in my bankruptcy should have been updated to reflect this status. However, I have identified accounts that continue to be reported as open or with late payments, which is incorrect. 
My credit report contains numerous inaccurate addresses that I have never resided at or had any association with. These inaccuracies are causing confusion and potentially affecting my creditworthiness. I demand the removal of these inaccurate addresses to maintain the accuracy of my credit profile.There is inaccurate information regarding public records on my credit report. I have not been subject to any such records, and their presence is damaging my credit standing. I request an immediate review and removal of these erroneous public records. 

This persistent disregard for accurate reporting negatively affects my creditworthiness, financial stability, and overall well-being. It is imperative that your bureau complies with the Fair Credit Reporting Act ( FCRA ) by investigating these disputes thoroughly and rectifying the inaccuracies promptly. 

I have previously provided documentation to support my claims, and I expect a diligent and swift resolution this time. Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. The following items are fraudulent and needs to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  Bankruptcy Reference # : 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