Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain inaccurate and unauthorized information that appears on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).

As per my rights under the FCRA ( 15 U.S.C. 1681i ), I have recently reviewed my credit report and identified multiple discrepancies that require immediate attention and resolution. These discrepancies include incorrect personal information, unauthorized accounts, and questionable credit entries.

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Under the FCRA, I request that you delete this erroneous information from my credit report promptly. 



The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This name belongs to someone else. As per the FCRA, I demand that you remove this inaccurate information from my credit report immediately. 



The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. I expect you to comply with the FCRA and delete this incorrect address from my credit report without delay. 



The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. I am relying on the FCRA 's provisions to demand the removal of this inaccurate address from my credit report. 



The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. In accordance with the FCRA, I request that you expunge this erroneous address from my credit report immediately. 



The following personal information is incorrect : Account Number : XXXX - This name belongs to someone else. Under the FCRA, I require you to delete this incorrect designation from my credit report promptly. 



The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. As per the FCRA, I demand that you remove this inaccurate information from my credit report immediately. 



Additionally, I have identified three accounts that I have no recollection of ever belonging to, which raises concerns about compliance with the FCRA : XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Under the FCRA, I demand that you remove this frivolous account immediately from my credit report. 



XXXXXXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. In accordance with the FCRA, I request that you remove this frivolous account immediately from my credit report. 



XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Under the FCRA, I demand that you remove this frivolous account immediately from my credit report. 



Furthermore, I am bewildered by the presence of an account associated with XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. Under the FCRA, I demand that you remove this frivolous account from my file right away. 

As per my rights under the FCRA, I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify them immediately. Additionally, the FDCPA ( 15 U.S.C. 1692g ) requires that you validate the accuracy of these disputed accounts within 30 days. 



Should you require any additional information or documentation to process this dispute, please do not hesitate to contact me at the phone number or email address listed above. I also request that you provide me with written confirmation once these inaccuracies have been resolved and removed from my credit report. Moreover, I demand that you send an updated copy of my credit report to the address provided above. 



Your prompt attention to this matter is crucial in ensuring the accuracy and fairness of my credit report. Failure to comply with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA may result in legal action to protect my rights and seek appropriate remedies. 



Thank you for your immediate action in this regard. 





Sincerely, 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