Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding multiple attempts to remove inaccurate addresses, collections, and inquiries from my credit report, which have yet to be resolved. My nameXXXX XXXX, and I have always been committed to maintaining responsible financial practices. 

Upon reviewing my credit report from Experian, XXXX, and XXXX, I have identified several inaccuracies that require immediate attention : Inaccurate Addresses : My credit report lists addresses that I have never resided at, and these inaccuracies cast doubt on the reliability of my credit report. There are entries for collections accounts on my credit report that I believe to be inaccurate or not properly validated. I have made multiple requests for validation, but the collections remain on my report. I have noticed unauthorized credit inquiries on my report, which I did not initiate or authorize. These inquiries are negatively impacting my credit score, and I have requested their removal on multiple occasions. I understand the critical importance of maintaining an accurate credit report, as it plays a pivotal role in determining my financial stability and access to credit. These inaccuracies not only harm my creditworthiness but also cause me significant distress and concern. 

I have submitted formal requests to Credit Bureaus on several occasions, accompanied by documentation supporting my claims and requesting the removal of these inaccuracies. Regrettably, I have not received any confirmation that these requests have been addressed, and the inaccuracies persist on my credit report. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove these inaccuracies from my credit report. Specifically, I request the following : Conduct a thorough review of the inaccurate addresses, collections, and inquiries in question, remove all inaccuracies, including the incorrect addresses, collections accounts that have not been properly validated, and unauthorized inquiries from my credit report. and provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections. 

I have attached copies of my credit report highlighting the inaccuracies and all relevant documentation supporting my claims for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Please assist me to get removed of these items : 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