Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations Required in My Credit Report Dear Experian, I trust this message finds you well. I'm writing urgently to address significant discrepancies in my credit report that blatantly contradict the Fair Credit Reporting Act ( FCRA ) guidelines. After meticulous review, it's apparent that several errors persist within my credit profile, signaling a notable oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a critical federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after XXXX years ( XXXX in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably reflected in my recent denial for extended credit, arising from errors originating from your agency. 


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

XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 


I urgently implore swift action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may compel me to explore further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX

Company response to consumer: In progress