Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT THAT TOOK LONGER THAN 30 DAYS TO COMPLY* I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding my consumer report. I have previously contacted your agency more than 30 days ago, notifying you of multiple fraudulent accounts and associated information present on my consumer report. However, despite my initial communication and the passage of a significant amount of time, these errors have not been corrected. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and its relevant sections, I am entitled to accurate and up-to-date information in my consumer report. The inaccuracies and fraudulent accounts listed below are causing significant harm and preventing me from pursuing important life goals, particularly the purchase of a home for my family : 1. XXXX - Account Number : XXXX 2. XXXX - Account Number : XXXX 3. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX 4. XXXX XXXX - Account Number : XXXX 5. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX 7. XXXX XXXX XXXX - Account Number : XXXX 8. XXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX 9. XXXXXXXX XXXX, XXXX. - Account Number : XXXX 10. XXXX - Account Number : XXXX 11. XXXX XXXX XXXX - Account Number : XXXX 12. XXXX XXXX XXXX - Account Number : XXXX & XXXX Moreover, I have discovered that a fraudulent address and Social Security number have been associated with my consumer report, further exacerbating the impact on my creditworthiness and financial stability : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you take immediate action to investigate and remove all fraudulent accounts, addresses, and associated information from my consumer report within four business days from the receipt of this letter. Failure to do so will leave me with no choice but to pursue pre-arbitration to protect my rights and seek the appropriate remedies available under the FCRA. 

I want to draw your attention to the following sections of the FCRA, which support my request for the removal of these fraudulent items : 1. 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

2. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from including adverse information in a consumer report beyond seven years, with the exception of certain criminal convictions.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that information provided to consumer reporting agencies must be accurate, and any known inaccuracies should not be reported.

I emphasize that I do not wish to receive a response from e-oscar. Instead, I demand a response from a real person who can actively and effectively correct this matter. It is crucial to have human involvement in resolving this issue, as the fraudulent information is significantly impacting my ability to provide a stable and secure home for my family.

I trust that you understand the urgency and seriousness of this matter and will take prompt action to rectify the errors on my consumer report. I kindly request that you provide written confirmation once the necessary corrections have been made.

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that will enable me to proceed with my plans to purchase a home for my family. 

Yours 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