Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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 express my deep dissatisfaction and frustration with the handling of my credit report by your agency, as well as the multiple unsuccessful attempts to rectify certain inaccuracies that have significantly impacted my creditworthiness. 

As a conscientious consumer, I have always been vigilant about monitoring my credit report to ensure its accuracy and completeness. However, my recent experiences with your agency have been less than satisfactory, and I believe there have been several violations of the Fair Credit Reporting Act ( FCRA ). The following inaccuracies needs to be removed by the Credit Bureaus. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX, NY, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX - On my credit report, there are multiple addresses listed that I have never resided at. These inaccurate addresses not only misrepresent my credit history but also raise concerns about identity theft and the security of my personal information. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} - Your agency continues to report accounts as " late closed '' even though these accounts were closed in a timely manner, and I have provided the necessary documentation to prove this. These inaccuracies have adversely affected my credit score and my ability to secure favorable credit terms. 
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 - I have noticed unauthorized inquiries on my credit report that I did not authorize or initiate. These inquiries have occurred without my consent and have the potential to damage my credit profile. 

I have made numerous attempts to resolve these issues by contacting your agency through various means, including phone calls and written correspondence. Regrettably, my efforts have been met with delays, unresponsiveness, and a lack of transparency. This prolonged process has caused me significant stress and has hampered my ability to secure essential credit facilities. 

Under the FCRA, it is my right to have an accurate and up-to-date credit report. I kindly request the following actions to address these issues promptly : Thoroughly investigate and verify the accuracy of the addresses, closed accounts, collections, and inquiries on my credit report. 

Remove any inaccurate information from my credit report, including the aforementioned addresses, late closed accounts, collections, and unauthorized inquiries. 

Provide written documentation of the results of your investigation, along with a revised copy of my credit report reflecting the necessary corrections. 

Clearly communicate with me about any actions taken and provide a timeline for resolution. 

Failure to address these concerns promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, such as correspondence, proof of timely account closures, and evidence of unauthorized inquiries, to support my case. Please consider this complaint with the utmost urgency and respond within the legally required timeframe.

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