Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to reiterate my previous request for the immediate removal and blocking of the fraudulent addresses and unauthorized accounts from my credit report. I demand that you take swift action within the next four ( 4 ) business days to rectify these errors, as any further delay will be considered a violation of consumer protection laws. Please be advised that failure to comply will result in legal action filed against your bureau in federal court, seeking compensation of {$1000.00} per violation. 

It is of utmost importance that you fully comprehend the gravity of this matter. The inclusion of fraudulent addresses and unauthorized accounts on my credit report not only tarnishes my financial standing but also infringes upon my rights as a consumer. These inaccuracies can have severe repercussions, impeding my ability to secure credit, loans, or other vital financial opportunities. Therefore, it is imperative that you act swiftly to rectify these errors and mitigate any potential harm caused. 

I explicitly state that I do not want a response from e-Oscar, as I believe direct correspondence with your bureau is necessary to resolve this matter effectively and efficiently. I expect your undivided attention and immediate action to ensure the removal of the fraudulent addresses, blocking of unauthorized accounts, and correction of my credit report. 

To reiterate, I demand the following fraudulent addresses be removed and blocked from my credit report : XXXX. Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, MI XXXX In lieu of these incorrect addresses, I demand that you replace them with my correct and verifiable address as provided below : Correct Address : XXXX XXXX XXXX, XXXX, MI XXXX Furthermore, I insist that you remove and block the following unauthorized accounts from my credit report, in accordance with consumer protection laws : XXXX. XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX  Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX I expect you to promptly investigate these accounts, confirm their fraudulent nature, and remove them from my credit report accordingly. Furthermore, I demand that you take all necessary measures to block any future attempts to include these unauthorized accounts on my credit report, ensuring my financial security and preventing any further harm. 

Under the provisions of the Fair Credit Reporting Act and other applicable laws, it is your legal obligation to rectify these inaccuracies within the stipulated timeframe. Therefore, I demand that you provide written confirmation of the removal of the fraudulent addresses, blocking of unauthorized accounts, and the correction of my credit report within the aforementioned four-day period. Failure to respond or comply will leave me no choice but to initiate legal proceedings in federal court, seeking compensation of {$1000.00} per violation. 

I trust that you comprehend the urgency and seriousness of this matter. Your immediate attention and compliance with my demands will not only rectify these errors but also prevent further legal action. I urge you to act swiftly, responsibly, and in full compliance with consumer protection laws.

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