Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Experian, I am writing to request the removal of certain derogatory and negative information from my credit report, as it no longer accurately reflects my current financial situation. I kindly request your assistance in correcting this matter promptly.

I have recently reviewed my credit report and noticed the presence of the following items [ list all the derogatory and inaccurate information. This is a violation of 15 U.S. Code 1681/Removal of Inaccurate /invalidated credit information. Remove this immediately!!! 

XXXX. [ 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 XXXXXX/XX/XXXX. This is inaccurate remove it immediately. This is defamation of my character. 

XXXX. XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance Paid off please remove XX/XX/XXXX Please be advised that the aforementioned information is outdated and does not provide an accurate representation of my current creditworthiness. I have taken several steps to resolve and rectify the situation, including [ explain any actions taken to improve your credit situation, such as paying off outstanding debts, settling accounts, or establishing a positive payment history ]. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The FCRA requires credit bureaus to investigate and correct any information that is inaccurate, incomplete, or unverifiable within a reasonable period of time. 

I kindly request that you conduct a thorough investigation of the disputed information on my credit report and remove any entries that are inaccurate, unverifiable, or outdated. I would appreciate your immediate attention to this matter, as it is negatively impacting my ability to obtain credit and secure favorable financial opportunities. 

Enclosed with this letter are copies of relevant supporting documentation, including [ list any supporting documentation such as payment receipts, settlement agreements, or dispute letters ] for your reference and review. I trust that these documents will assist in your investigation and ensure an accurate evaluation of my creditworthiness. 

Please provide me with written confirmation once the necessary investigations have been completed and the disputed information has been removed from my credit report. Additionally, I kindly request that an updated copy of my credit report be sent to my mailing address as soon as possible. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the urgency and professionalism it requires. Should you require any further information or have any questions, please do not hesitate to contact me using the information provided above. 

I am confident that with your cooperation, we can resolve this issue and ensure the accuracy of my credit report. I appreciate your time and assistance in this matter. 

Yours sincerely,

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