Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MO
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 express my continued concern and dissatisfaction regarding the presence of fraudulent items on my credit report, which I have previously reported to your agency. Despite my initial dispute and the provision of supporting documentation, these fraudulent items have not been removed from my credit report, and they continue to have a detrimental impact on my financial standing. This letter serves as my second attempt to seek the removal of these erroneous entries. 

I initially reported these fraudulent items to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to prove the inaccuracies and fraudulent nature of these entries. However, despite the evidence I submitted, these items remain on my credit report, causing unwarranted damage to my creditworthiness. 

I kindly request that you conduct a thorough investigation into these fraudulent items once again and take immediate action to remove them from my credit report. As you are aware, the presence of inaccurate and fraudulent information on a credit report can result in serious financial consequences, including the inability to secure loans, obtain credit, or make essential purchases. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable within 30 days. I expect that you will adhere to this statutory requirement and take prompt action to rectify this situation. 

Enclosed with this letter, you will find copies of all the documents and evidence I provided during my initial dispute for your reference. This documentation includes [ list the documents you are enclosing, such as DL, XXXX identity theft reports, correspondence with creditors, etc. ]. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, outlining the results of your reinvestigation and confirming the removal of the fraudulent items from my credit report. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to remove the following fraudulent items : XXXXXXXX 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 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

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