Consumer complaint received 2023-09-07
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 am writing to file a formal complaint regarding the continuous reporting of inaccurate and fraudulent information on my credit report despite multiple previous attempts to dispute and correct these issues. This persistent problem has a severe and detrimental impact on my financial standing, creditworthiness, and overall well-being. I urgently request your immediate and thorough investigation to address and rectify these ongoing inaccuracies. I have previously disputed accounts that were inaccurately marked as charge-offs, despite evidence to the contrary. Despite my prior efforts, the account ( s ) continue to be erroneously reported as charge-offs and I urgently request a comprehensive review of these accounts and the correction of their statuses to accurately reflect their current standing. I have identified multiple accounts on my credit report inaccurately reported as late closed accounts. These accounts were closed within the specified terms and conditions and should not have any late payment history. I request that your bureau conduct a comprehensive review of these accounts and correct their status to accurately reflect their current standing. The ongoing reporting of these inaccurate late closed accounts negatively affects my creditworthiness and raises concerns about the accuracy of the information provided by your agency. I have identified inquiries made by companies or institutions that I have not authorized or initiated. These inquiries are fraudulent and unauthorized. I demand the immediate removal of these fraudulent inquiries to prevent further damage to my creditworthiness and protect against potential identity theft. My credit report continues to include inaccurate personal information that has not been corrected despite previous disputes. 

I urgently request the removal of these inaccurate personal details to ensure the accuracy of my credit profile. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address these issues promptly and in strict compliance with the FCRA. 

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. Additionally, I request an explanation for the recurring nature of these issues, as they have persisted despite my previous disputes. These are the following inaccurate items needs to be remove right away by the credit bureaus : 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 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