Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding the ongoing presence of an inaccurate and fraudulent account on my credit report. Despite my repeated attempts to rectify this matter and provide you with substantial documentation proving the incorrectness of the reported information, Experian has failed to take appropriate action to correct my credit report. By not Removing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX I want to emphasize the severity of this situation and the potential consequences of Experian 's continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If this matter is not promptly and accurately addressed, I am left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 

As a responsible consumer, I have taken every necessary step to provide Experian with clear and compelling evidence that establishes the fraudulent nature of the account in question. This includes submitting copies of my Michigan state-issued driver 's license, a valid police report documenting the identity theft, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. I have fulfilled my obligations under the law by providing Experian with all the necessary documentation that 100 percent accurately associates me with the account in questionnamely, none. 

Experian 's failure to properly investigate and remove this fraudulent account not only violates my rights under the FCRA but also exposes me to significant harm. The inaccurate information on my credit report has the potential to affect my financial standing, hinder my ability to obtain credit, and cause immense distress. It is imperative that Experian rectifies this situation immediately and ensures that my credit report accurately reflects my creditworthiness and financial history. 

I implore Experian to take this matter seriously and prioritize the resolution of my dispute. Failure to do so will leave me with no alternative but to seek legal counsel and pursue legal action against Experian. I trust that Experian understands the gravity of this situation and will take the necessary steps to correct my credit report in a timely manner. 

I demand a written response from Experian within [ specify a reasonable timeframe ] acknowledging the urgency and seriousness of my complaint, and providing a clear plan of action to rectify the inaccuracies on my credit report. It is my sincere hope that we can resolve this matter amicably and without resorting to litigation. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and a satisfactory resolution to this dispute.

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