Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to seek your assistance in resolving an issue related to inaccurate information that is currently present in my credit file I have asked for validation and a set signature which the company cant provide. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of creditors to provide complete and accurate information to consumer reporting agencies. Additionally, the FCRA grants consumers the right to dispute inaccurate information, and have it corrected or deleted from their credit files. 
I have recently obtained a copy of my credit report and discovered that there are several items of information that are inaccurate and adversely affecting my creditworthiness. I have reviewed the relevant provisions of the FCRA, particularly XXXX XXXX, which outlines the procedure for handling disputed accuracy. 
As per the FCRA, I am notifying you directly of my dispute and request that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I kindly request that you complete this reinvestigation within the XXXX period mandated by the FCRA. 
In accordance with the FCRA, I expect that you will notify the furnisher of the disputed information promptly and provide them with all relevant information regarding the dispute that you have received from me. It is my understanding that the furnisher is required to investigate the accuracy of the information and report back to you within the designated timeframe. 
If the disputed information is found to be inaccurate or can not be verified, I request that you promptly delete the item from my credit file. Furthermore, I expect that you will notify me in writing of the deletion and provide me with an updated copy of my credit report reflecting the changes made. 
I understand that the FCRA also allows me to file a brief statement to summarize the nature of the dispute if it is not resolved through the reinvestigation process. Please advise me on the appropriate procedure and limitations regarding this matter. 
I kindly request that you handle this matter with the utmost urgency and efficiency to ensure the accuracy of my credit file. I rely on my creditworthiness for various financial transactions and it is imperative that my credit report reflects accurate information. 
I have enclosed copies of relevant documents, including my credit report and any supporting evidence for your reference. Should you require any additional information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Inquire Disputes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX Has XXXX XXXX XXXX XXXX as my address but I have provided them with a bill as well as my ID for verification and they have not updated this information Also they have a freeze on my account and a statement which I didnt request Experian This is incorrect and I have asked them to remove this EMPLOYERS DEPT OF JUSTICE All are reporting XXXX inquires which I have asked for validation for and they have not provided the appropriate information- I have not signed or given anyone permission to pull or report my credit XXXX These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute and the removal of any inaccurate information from my credit file. 


Sincerely, 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 non-monetary relief