Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ATTN : Consumer Financial Protection Bureau Subject : Complaint Against Experian, XXXX, and XXXX for Repeated Violation of Consumer Rights and Erroneous Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Experian, XXXX, and XXXX, the three major credit reporting agencies, regarding the continuous violation of my consumer rights and the persistent erroneous reporting of accounts on my credit reports. These erroneous entries, specifically closed accounts, are significantly impacting my financial stability and overall well-being. 

I have already submitted previous complaints to the Consumer Financial Protection Bureau ( CFPB ) in relation to identity theft, which have unfortunately been ignored. This has left me with no choice but to escalate my concerns and seek legal action to protect my rights as a consumer. 

The specific accounts that are inaccurately reported on my credit report are as follows : XXXX XXXXXXXX # XXXX & XXXX XXXX XXXXXXXX XXXX SS # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX It is crucial to note that no method of verification was undertaken by the credit reporting agencies despite my repeated requests for verification and dispute. Despite this, the aforementioned accounts remain on my credit reports, causing significant damage to my financial reputation and hindering my ability to access financial opportunities. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit information. The continuous erroneous reporting and lack of proper verification have resulted in grave emotional stress, and I believe I have suffered direct financial harm due to the actions of these credit reporting agencies. 
In accordance with the FCRA, I am seeking monetary damages for each violation committed by Experian, XXXX, and XXXX. 

I request {$1000.00} for each violation of the FCRA, as this is the statutory maximum allowed under the law. I also demand the immediate removal of the aforementioned erroneous accounts from my credit reports to rectify the harm caused. 

I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that Experian, XXXX, and XXXX adhere to their obligations under the FCRA. It is my sincere hope that the CFPB will intervene in this matter promptly to rectify the serious violations and disregard of my rights as a consumer. 

Please see my previous complaints to the CFPB regarding relevant documentation supporting my claims. 

Please acknowledge receipt of this complaint promptly and provide me with updates on the status of the investigation. You may contact me via the provided email address or phone number. 
Thank you for your attention to this matter, and I look forward to a swift resolution to protect my consumer rights. 

Sincerely, 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