Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, Were contacting you AGAIN regarding the merger of our files and reports. We are still noticing that our names, accounts and personal information is still illegally merged and combined on each others reports. We have sent you letters requesting to dispute. We have called you on the phone and requested to dispute. We have mailed you letters in the mail requesting to dispute! We have mailed you copies of our Drivers License. We have mailed you copies of our Social Security Cards. We have included copies of our past and present credit reports to show the discrepancies. We have filed countless complaints on the CFPB website. However, you continue to ignore and disregard our requests, disputes and complaints. 

We previously disputed these incorrectly reporting personal information to each of you and it was never deleted, corrected, verified or investigated. It remains or it was deleted and added back without further verification taking place. We sent letters and complaints on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website and again today, XX/XX/XXXX CFPB website. We requested that you remove ALL incorrectly reporting information and send us new, updated, completed copies of our credit report. That has not happened to date! 

As of todays date, XX/XX/XXXX we have decided to proceed with legal action. We have contacted our attorney and requested that he file a monetary Tort complaint against you effective immediately for intentionally reporting inaccurate, incorrect, misleading, false information on my credit report. You have not sent any of the requested information. You have not sent us any investigation results. You have not sent us any letters or proof of validation. You have not sent us any signed contracts. At this point, we are overwhelmed, exhausted and simply mortified of your behavior. Laziness and inability to follow through on your job. 

The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to our requests within the original allotted 30 day timeframe. The added 15 day timeframe. The final 24 hour deadline. You have NOT verified any information listed regarding anything we have previously submitted to you. There are several discrepancies and we demanded that it was all deleted immediately. Attached, please find copies of the court case numbers, court dates and names of all parties involved in the lawsuit!

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