Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify fraudulent items on my credit report. Despite my persistent efforts to address this issue, the fraudulent information continues to negatively impact my credit and is in violation of the Fair Credit Reporting Act. 

To provide a comprehensive overview of the situation and the extensive actions I have taken : I discovered several items on my credit report that I firmly believe to be the result of identity theft or fraudulent activity. 

Initial Dispute : Upon discovering these fraudulent items, I immediately filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I have requested reinvestigations of the disputed items multiple times. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigations. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within this timeframe, which is a clear violation of my consumer rights. 


Initiate a thorough and immediate investigation into the fraudulent items on my credit report as required by law. 

Furnish me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

Promptly Remove Fraudulent Items : If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 
Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remoce the fraud items : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} COMM XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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