Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
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 file a formal complaint regarding the presence of fraudulent items on my credit report, which is maintained by 3 Credit Bureaus. Despite my repeated attempts to dispute and rectify these inaccuracies, they persist on my report, adversely affecting my financial well-being. 

The fraudulent items that have been erroneously reported on my credit report, such as unauthorized accounts, inquiries, and inaccurate name and addresses, and they have no legitimate association with my financial history. I have attached copies of supporting documents, including DL and SSN such as identity theft reports, dispute correspondence, and any other relevant documentation ], to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have taken the following steps to address this issue : I have diligently followed the appropriate procedures to dispute these fraudulent items with your bureau and have provided all necessary documentation to support the veracity of my claims. 

I have initiated disputes directly with the creditors associated with these fraudulent items, requesting their removal from my credit report. Regrettably, my efforts have not resulted in the removal of these fraudulent entries. 

The continuous presence of these fraudulent items on my credit report has a severe and unjust impact on my creditworthiness and financial stability. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the fraudulent items listed on my credit report, verifying their inaccuracy and fraudulent nature. 

Collaborate with the relevant creditors to promptly remove these fraudulent items from my credit file, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of these fraudulent items within the exact timeframe from the date of this letter. 

Implement robust security measures to prevent the recurrence of fraudulent entries on my credit report, ensuring the protection of my credit information. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of maintaining precise and reliable credit reports for financial stability and trust in the credit reporting system. Therefore, I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. With that, I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$28000.00} XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$27000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance ; {$67000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$27000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/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